Blog – Credit Risk & Decisioning
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Credit Strategy Reporting – Originations, Part 2
Credit Strategy Reporting – Originations, Part 2 Introduction The journey of a consumer credit relationship begins long before the first statement is issued, or payment is made. Originations, which is the process of acquiring, evaluating, and on-boarding new credit customers, sets the foundation for everything that follows. This two-part article examines the critical metrics and [...]
Credit Strategy Reporting – Originations, Part 1
Credit Strategy Reporting – Originations, Part 1 Introduction The journey of a consumer credit relationship begins long before the first statement is issued, or payment is made. Originations, which is the process of acquiring, evaluating, and on-boarding new credit customers, sets the foundation for everything that follows. While our previous articles explored account management and [...]
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-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 [...]
Leveraging AI for Originations Credit Strategies, Part 1
Leveraging AI for Originations Credit Strategies, Part 1 Introduction The financial services landscape is undergoing a profound transformation, with Artificial Intelligence emerging as a pivotal force in reshaping credit granting strategies. Gone are the days of rigid, one-size-fits-all credit assessment methods. Today, financial institutions are embracing AI-powered tools that promise to revolutionise how we understand, [...]
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, [...]
Best Practice Implementation of a Credit Decision Engine
Best Practice Implementation of a Credit Decision Engine Introduction Investing in a credit decision engine is an easy decision for the majority of lenders, as the benefits of automated decisioning have been well-proven across multiple industries, worldwide. Implementing a credit decision engine involves a number of tasks across several different disciplines, ranging from planning and [...]
Three Myths Why Not to Invest in a Decision Engine
Three Myths Why Not to Invest in a Decision Engine Introduction In a two part series of articles last month we examined what is a decision engine and what are the core components and functionality? This article will review the top three myths and excuses that credit grantors make to avoid investing in such an [...]
What is a Decision Engine? Part 2 – Decision Engine Functionality
What is a Decision Engine? Part 2 – Decision Engine Core Functionality Introduction If you ask three people “what is a Decision Engine?,” you will probably get at least five different answers. For an application that has such a straightforward and descriptive name, there is a lot of confusion and misunderstandings about what a Decision [...]
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Latest Blogs
Credit Strategy Reporting – Originations, Part 2
Credit Strategy Reporting – Originations, Part 2 Introduction The journey [...]
Credit Strategy Reporting – Originations, Part 1
Credit Strategy Reporting – Originations, Part 1 Introduction The journey [...]
Credit Strategy Reporting – Collections
Credit Strategy Reporting - Collections Introduction When accounts transition from [...]
Credit Strategy Reporting – Account Management
Credit Strategy Reporting - Account Management Introduction This is the [...]