The Horizons Tracker

NOVEMBER 26, 2021

One’s credit score is often hugely important, with it very difficult to secure substantial loans, such as mortgages, without a healthy credit rating. The researchers themselves used AI to analyze vast quantities of consumer data, which allowed them to test various credit-scoring models. Risk assessment.

Credit Risk 75

Credit Risk Credit Scoring Tools Credit Rating 75

The Horizons Tracker

MARCH 9, 2022

Assessing credit risk. Traditionally, lenders use a range of criteria to assess our credit risk, but the new wave of fintechs entering the market tend to rely more on alternative data that goes beyond your credit score. Verifiable records.

Credit Scoring 125

Credit Scoring Credit Risk Banking Business Model 125

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 14

Credit Scoring Banking Dunning Metrics 14

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