In this study, we examine how credit scores change and evolve over the business cycle. We discuss how credit scores may be influenced by external factors in addition to the internal or individual factors that they are designed to capture.
This article explores innovative strategies that traditional banks can use in small business lending to remain competitive with alternative lenders.
In this article, we show the mechanisms through which data quality and productivity interact, and how investments in data quality can offer productivity gains.
In this article, we combine financial information with behavioral factors to more accurately assess credit risk for small firms and medium-sized enterprises.
With ever-increasing requirements for a higher quantity and quality of analytical output, the need to boost productivity in risk management has become more acute. In pursuing these productivity gains, we have observed that investments in data quality can offer dramatic improvements and typically pay for themselves.