Blog2024-12-16T10:47:30+02:00

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Our frequent blog posts cover all things decisioning: credit risk management systems, credit risk consulting and training, advanced analytics and predictive modelling.
  • redit-Strategy-Reporting-for-Collections

Credit Strategy Reporting – Collections

Credit Strategy Reporting - Collections Introduction When accounts transition from a normal status to delinquent collections, the reporting focus shifts dramatically. Our last article covered the metrics that matter for healthy revolving credit accounts. This companion piece explores the critical reporting requirements once accounts enter the collections phase. Effective collections reporting doesn't just track recovery [...]

  • sharia banking and credit

Sharia-compliant Credit Risk Management: Challenges and Solutions for Credit Risk Managers

Sharia-compliant Credit Risk Management: Challenges and Solutions for Credit Risk Managers Introduction Credit risk managers are constantly balancing risk and opportunity while adapting to evolving financial products. Sharia-compliant credit granting presents unique challenges that require innovative solutions, particularly as Islamic finance continues its rapid global growth. This article explores these challenges and examines how modern [...]

Understanding Islamic Finance

Understanding Islamic Finance Introduction Have you ever wondered why some banks offer 'Islamic banking’ or ‘Sharia-compliant’ financial products? Or perhaps you've heard the term "usury" but aren't quite sure what it means? Let's dive into the fascinating world of different credit systems and understand how they work in our modern financial landscape. The Differences Between [...]

  • Understanding operational negation

Understanding and Preventing Operational Negation

Understanding and Preventing Operational Negation Introduction Operational negation is a critical yet often overlooked phenomenon in consumer credit risk management. It occurs when well-designed risk controls and strategies are undermined or rendered ineffective by operational practices, human behaviour, or system limitations. This disconnect between intended risk management strategies and their actual implementation can lead to [...]

  • Dual Benefits of Financial Inclusion Credit Risk Management Systems

The Dual Benefits of Financial Inclusion

The Dual Benefits of Financial Inclusion For Consumers and Lenders via Digital Transformation In the previous article, we discussed what financial inclusion is, the barriers preventing financial inclusion, the role of technology as a catalyst for change, and the regulatory landscape governing financial inclusion. In this article, we move onto the benefits of financial inclusion, [...]

  • Understanding Financial Inclusion Credit Risk Management Systems

Understanding Financial Inclusion

Understanding Financial Inclusion Breaking Down Barriers to Economic Participation Financial inclusion represents one of the most significant challenges and opportunities in modern economics. At its core, financial inclusion refers to the availability and equality of opportunities to access financial services for all segments of society. While this concept might seem straightforward, its implications and scope [...]

  • Open Banking, Part 2: Credit Risk Implications and Strategies Credit Risk Management Systems

Open Banking, Part 2: Credit Risk Implications and Strategies

Open Banking, Part 2: Credit Risk Implications and Strategies Introduction As Open Banking continues to reshape the financial landscape, credit risk managers find themselves at the forefront of a data revolution. This new capability offers both opportunities and challenges for financial institutions. In this article, following on from Part 1, we continue by exploring the [...]

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