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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.

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A Duo of Consulting Services

A Duo of Consulting Services Introduction Every company, at one time or another will require external assistance to solve an internal challenge. Challenges can range from an assessment of existing strategies, procedures and policies to the launch of new products and services. These types of challenges often require an external professional services company, which can [...]

The Data Sovereignty Dilemma: Part 2

The Data Sovereignty Dilemma: Challenging the Status Quo in Rwanda - Part 2 Introduction Many data sovereignty laws require that certain types of data must be stored and processed within the borders of the country. This can conflict with the desire for efficiency and cost-effectiveness that comes with using cloud services and global data centres. [...]

The Data Sovereignty Dilemma: Part 1

The Data Sovereignty Dilemma: How we're challenging the status quo in Rwanda, Part 1 Often data sovereignty laws require that certain types of data must be stored and processed within the borders of the country. This can conflict with the desire for efficiency and cost-effectiveness that comes with using cloud services and global data centres. [...]

A-Z of Artificial Intelligence, Part 3

A-Z of Artificial Intelligence, Part 3 Introduction This three-part article covers the thirty terms that the BBC has identified you need to understand in order to understand artificial intelligence (AI). Much of this three-part series is based on an excellent article I read on the BBC website Artificial intelligence is arguably the most important technological [...]

A-Z of Artificial Intelligence, Part 2

A-Z of Artificial Intelligence, Part 2 Introduction This three-part article covers the thirty terms that the BBC has identified you need to understand in order to understand artificial intelligence (AI). Much of this three-part series is based on an excellent article I read on the BBC website. Artificial intelligence is arguably the most important technological [...]

A-Z of Artificial Intelligence, Part 1

The A-Z of Artificial Intelligence, Part 1 Introduction This three-part article covers the thirty terms that the BBC has identified you need to understand in order to understand artificial intelligence (AI). Much of this three-part series is based on an excellent article I read on the BBC website: https://www.bbc.com/future/article/20230717-what-you-should-know-about-artificial-intelligence-from-a-z Artificial intelligence is arguably the most [...]

Data Analytics Terminology, Part 2

Data Analytics Terminology, Part 2 Introduction This is the second in a series describing data analytics terminologies. Data analytics is important to understand as without a firm understanding of data and data analytics, there can be no firm understanding of Artificial Intelligence and how best to maximise its value. This topic can be somewhat ‘dry,’ [...]

Data Analytics Terminology, Part 1

Data Analytics Terminology, Part 1 Introduction Just a few years ago “blockchain” and “Bitcoin” were two words on many peoples lips. This year, with the rise of ChatGPT and others, the new phrase is “Artificial Intelligence” (“AI”). A good friend of mine travels to the USA twice a year on business and contrasted the difference [...]

To Build or to Buy Software?

Build vs Buy Software? Introduction Ask any software vendor what are the three words that strike dread in their hearts and the answer nine times out of ten will be “Request for Proposal” (RFP)! Generalising, there are 4 Types of RFP, which I have listed in order of vendor preference: A well-written genuine RFP – [...]

BNPL Credit Risk Implications

BNPL Credit Risk Implications Introduction Sometimes I wonder if the lending industry has more parallels with the fashion industry than we would care to admit to. On the catwalks of New York, London, Paris and Milan, models strut the latest fashions and trends for the season. In the offices of established lenders and fintechs, new [...]

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