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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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Mobile Lending in Africa – Part 1

How telco operators became mobile lenders Where it started – the introduction of the mobile wallet On November 8th, 2021, ITWeb published an article detailing the approval of MTN’s licence to operate their Mobile Money platform in Nigeria. With this article fresh in my mind, I thought it worthwhile to take a deeper look at mobile lending [...]

AI vs. Machine Learning – What’s the difference?

Artificial Intelligence vs. Machine Learning – What’s the difference? A plethora of sometimes confusing terms related to Data Science are currently being bandied around. It seems that almost every other person working in analytics calls themselves a Data Scientist, waxing lyrical about features and targets, NumPy, pandas, pickles and, if you are really (un)lucky, beautiful [...]

POPIA Customer Base Growth: Secure and Expand – Part 2

How to grow and secure your customer base under the new POPIA regulations – Part 2 Optimising Existing Customers Article 1 in this series focused on new customers acquisition within the context of the new POPIA/GDPR regulations. This second article addresses how companies should optimise their marketing strategies for their existing customers. In my experience [...]

POPIA Customer Base Strategies: Grow and Secure – Part 1

How to grow and secure your customer base under the new POPIA regulations – Part 1 New Customers Acquisition The creation of the Protection of Personal Information Act (POPIA) in South Africa began as early as 2013 but it took a long time to formulate. One of the many reasons that it took so long [...]

Digital Originations in under 60 days?

In this Webinar, Jarrod McElhinney of ADEPT™ Decisions and Michele Tucci of credolab discuss digital originations, and how organisations can introduce a complete digital originations platform within a 60 day period. Watch the webinar replay here:

Why is end-to-end decisioning so important?

Why is end-to-end decisioning so important? Most lenders are now placing a greater emphasis and budgets on advanced analytics platforms and resources. This makes sense, as all market have become increasingly competitive, and so the ability to fine tune and rework predictive models is an important part of retaining competitive advantage. The most frequently heard [...]

5 Traits of Rapid, Responsible Mobile Lending

The 5 Traits of Responsible Lending It has been estimated that less than 40% of banks were able to lend to customers and onboard new accounts through digital channels before the pandemic. But that number quickly rose to over 50% six months into the crisis. While the shift to digital was already underway before [...]

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