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Economically Conditioned Credit Scores: An Example From Auto Loans

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.

January 2018 Pdf Dr. Cristian deRitis

Battle for Small Business Capital Access: Traditional vs. Alternative Lenders

This article explores innovative strategies that traditional banks can use in small business lending to remain competitive with alternative lenders.

July 2017 WebPage Michael Schwartz

When Good Data Happen to Good People: Boosting Productivity with High-Quality Data

In this article, we show the mechanisms through which data quality and productivity interact, and how investments in data quality can offer productivity gains.

Combining Information to Better Assess the Credit Risk of Small Firms and Medium-Sized Enterprises

In this article, we combine financial information with behavioral factors to more accurately assess credit risk for small firms and medium-sized enterprises.

July 2017 WebPage Dr. Douglas Dwyer

When Good Data Happen to Good People: Boosting Productivity with High-Quality Data

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.

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