Harvard Business Review

SEPTEMBER 22, 2014

All too often analysts study historical data to develop a model that explains that data and then apply the model to the exact same data to make a prediction about the future. Using predictive models of demand developed during growth years or for a price sensitive market segment may fail miserably when market conditions change.

Credit Scoring 14

Credit Scoring Price Market Segmentation How To 14

Harvard Business Review

APRIL 26, 2017

banks are going to survive the coming wave in financial technology (fintech), they’ll need to finally take digital transformation seriously. Small businesses are starting to demand banking services that have engaging web and mobile user experiences, on par with the technologies they use in their personal lives.

Banking 15

Banking Credit Scoring Stage-Gate Competitive Advantage 15

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

MAY 17, 2017

Much has been made of the potential for blockchain technologies to open up new vistas for business and society. But is there a way for this revolutionary technology to empower the rich and poor alike? How Blockchain Works Here are five basic principles underlying the technology. Edwards Deming). Distributed Database.

Marketing 8

Marketing Technology Banking Efficiency 8

Harvard Business Review

FEBRUARY 19, 2018

What these stories underscore is that our digital evolution and our productive use of new technologies rests on how well we can build digital trust. the ride-sharing company, the social media platform, and the digital payments technology) of trust. Technology providers must work harder to win and retain user trust.

Survey 11

Survey Environment Technology Comparison 11

Harvard Business Review

MARCH 26, 2015

Both practices have long developed insights into their customers based on data and analytics. CROs are deeply familiar with the troves of risk data, such as payment habits and internal credit scores, that their companies keep. Gauge and influence a customer’s “next best action.” Cross-pollinate your talent.

Credit Scoring 8

Credit Scoring Risk Management Finance Marketing 8

Harvard Business Review

AUGUST 10, 2018

Those analyses rely on publicly available data sources, but software providers have accumulated growing amounts of private data on almost every aspect of their customers’ technology, operations, people, and strategies. It is even possible to hold up the data mirror to individual technology users.

Benchmarking 8

Benchmarking Software B2B Comparison 8

Harvard Business Review

MAY 8, 2018

This won’t take doctors out of the loop entirely, but it will create new opportunities and new dangers as the technology evolves and becomes more powerful. Food and Drug Administration’s pilot “Pre-cert” program, which is directed at finding new ways to evaluate technologies like machine learning, is one such example.

Health Care 8

Health Care Credit Scoring Learning-by-Doing Constraint 8

Harvard Business Review

NOVEMBER 6, 2018

In our Digital Evolution Index (DEI), we place them in the “digital south” which means the full deployment and adoption of online systems is still in development. The data will establish a social credit system expected to be both mandatory by 2020. billion citizens. 18% annual growth in Gender Digital Inclusion.

Airlines 14

Airlines Technology Objective Policies 14