Blog – Credit Risk & Decisioning
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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 [...]
Different Risk Types, Part 2
Different Risk Types, Part 2 Introduction The recent unfolding banking crisis in the USA and now Europe has brought to the fore how important ‘risk’ is to a financial institution and what happens if risk is not managed adequately. This is part 2 of an examination of some of the different types of risk that [...]
Different Risk Types, Part 1
Different Risk Types, Part 1 Introduction The recent unfolding banking crisis in the USA and now Europe has brought to the fore how important ‘risk’ is to a financial institution and what happens if risk is not managed adequately. I thought it would be useful to examine some of the different types of risk that [...]
ADEPT Decisions Releases Version 8.0
ADEPT Decisions Releases Version 8.0 ADEPT Decisions has released version 8.0 of the award winning decisioning software Stephen John Leonard, Founder of the company noted “We are very proud to unveil this new release of the ADEPT Decisions decisioning software. This is the next major release since the end of the pandemic in 2022 and [...]
American Banking and Economics Explained
American Banking and Economics Explained Introduction This tongue-in-cheek explanation of American banking and economics found its way to me via WhatsApp, so the original author is unknown. I thought in light of the current challenges in the US banking industry, it is a very timely explanation! Mary had a bar “Mary is the proprietor of [...]
Meet the ADEPT Decisions Team – Jarrod McElhinney
Meet the ADEPT Decisions Management Team - Jarrod McElhinney Introduction The entire ADEPT Decisions team has always prided itself on providing the ‘personal touch’ to our clients; whether it means going the extra mile on a project, accommodating short-notice configuration changes, or just providing a sounding board to the credit risk team. We believe that [...]
The New Lending Industry Word Salad: Part 2 – Terms and TLAs
The New Lending Industry, a Word Salad, Part 2 Following the article 'The New Lending Industry, a Word Salad, Part 1', we offer an Exploration of Some of the New Terms and TLAs Introduction Whoever said that the lending industry is boring and never changes clearly isn’t up to date on their reading! With the [...]
The New Lending Industry Word Salad, Part 1
The New Lending Industry Word Salad: An Exploration of Some of the New Terms and TLAs Introduction Whoever said that the lending industry is boring and never changes clearly isn’t up to date on their reading! With the exponential growth of fintechs and mobile lenders over the past decade, a whole plethora of new products, [...]
Financial Inclusion
Financial Inclusion Introduction In the 1970s disco era, there was a successful all-ladies German pop group called Silver Convention. One of their top 10 hits was ‘Everybody’s Talking ‘Bout Love.’ Whenever I hear the term financial inclusion, I often think of the lyrics to this song: “You know, everybody's talking about love these days It's [...]
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Latest Blogs
Understanding Financial Inclusion
Understanding Financial Inclusion Breaking Down Barriers to Economic Participation Financial [...]
Open Banking, Part 2: Credit Risk Implications and Strategies
Open Banking, Part 2: Credit Risk Implications and Strategies Introduction [...]
Open Banking, Part 1: A Revolution in Financial Services
Open Banking, Part 1: A Revolution in Financial Services In [...]
How to Prepare for a Decision Engine Implementation
How to Prepare for a Decision Engine Implementation Introduction In [...]