Blog – Credit Risk & Decisioning
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Introduction to Decision Engines: What They Are NOT – Part 1
What is a Decision Engine? Part 1 – What a Decision Engine is NOT! Introduction I always thought that the definition of a Decision Engine was very straightforward. It is software that makes a decision. A British advertising industry created a memorable catch phrase describing this kind of product: "It does exactly what it says [...]
Diners Club, Debt and The Downfall of Society
Diners Club, Debt and The Downfall of Society An opinion piece by Dominique Olivier The story of how one forgotten wallet in 1949 led to the invention of the credit card – and the global debt crisis that followed. When’s the last time you carried cash anywhere? Unless you’re regularly using public transport, it’s [...]
A New Era in Account Management Decisioning
A New Era in Account Management Decisioning Defining the Status Quo In the late 80’s and 90’s, automated credit risk management expanded its focus from credit acquisitions to incorporate full credit life cycle management. In addition to application scores that assessed a potential customer’s likelihood of repayment, behaviour scorecards were developed, enabling lenders to use [...]
Stories & Learnings from a Career in Credit Risk, Part 5
Stories & Learnings from a Career in Credit Risk Part 5 Introduction Last month we published a couple of light-hearted pieces about some of the funny or strange things I have encountered in my many years in the credit risk industry. I also provided some of the learnings gained from these experiences. The two articles [...]
Stories & Learnings from a Career in Credit Risk Part 4
Stories & Learnings from a Career in Credit Risk Part 4 Introduction Last month we published a couple of light-hearted pieces about some of the funny or strange things I have encountered in my many years in the credit risk industry. I also provided some of the learnings gained from these experiences. The two articles [...]
Stories & Learnings from a Career in Credit Risk Part 3
Stories & Learnings from a Career in Credit Risk Part 3 Introduction Last December I wrote a light-hearted piece about some of the funny or strange things I have encountered in my many years in the credit risk industry. I also provided some of the learnings gained from these experiences. The article proved to be [...]
Stories & Learnings from a Career in Credit Risk Part 2
Stories & Learnings from a Career in Credit Risk, Part 2 Introduction Last December I wrote a light-hearted piece about some of the funny or strange things I have encountered in my many years in the credit risk industry. I also provided some of the learnings gained from these experiences. The article proved to be [...]
Decision Engine Software Billing Models
Decision Engine Software Billing Models Introduction This is the final article in a series of three, focused on the commercial aspects of decision engine software: Software license models Software pricing models Software billing models By the end of the series, the reader will have a better idea of the various types of commercial models that [...]
Decision Engine Software Pricing Models
Decision Engine Software Pricing Models Introduction This is the second in a series of three articles, focused on the commercial aspects of decision engine software: Software license models Software pricing models Software billing models By the end of the series, the reader will have a better idea of the various types of commercial models that [...]
Decision Engine Software License Models
Decision Engine Software License Models Introduction This is the first in a series of three articles, focused on the commercial aspects of decision engine software: Software license models Software pricing models Software billing models By the end of the series, the reader will have a better idea of the various types of commercial models that [...]
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Understanding Islamic Finance
Understanding Islamic Finance Introduction Have you ever wondered why some [...]
Understanding and Preventing Operational Negation
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Leveraging AI for Originations Credit Strategies, Part 2
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Leveraging AI for Originations Credit Strategies, Part 1
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