Harvard Business Review

SEPTEMBER 16, 2014

Today, community banks are being consolidated and larger banks are relying more and more on data-driven credit scoring to make small business loans—if they are making them at all. My recent Harvard Business School Working Paper on small business credit explores new technology-driven entrants in the world of small business lending.

Credit Scoring 11

Credit Scoring Banking Dunning Metrics 11

Harvard Business Review

SEPTEMBER 16, 2014

Today, community banks are being consolidated and larger banks are relying more and more on data-driven credit scoring to make small business loans—if they are making them at all. However, all these online models depend on developing accurate new predictive models of credit assessment, often using new sources of data.

Credit Scoring 8

Credit Scoring Banking Dunning Metrics 8

Harvard Business Review

NOVEMBER 8, 2012

With fairly few signals in their models, the FICO score doesn't have the ability to distinguish between credit risk in a generally high risk group. For example, thousands of signals can be used to analyze an individual's credit risk. The way to address this is to add more signals.

Credit Risk 10

Credit Risk Credit Scoring Retail Technology 10