Strategy Driven

JANUARY 23, 2020

Credit Score: Your credit history is very important, to lend you money, banks will also want to know your credit scores and details about your credit card history. Tax Details: How much tax you have paid annually as an individual and how much you have paid as a business entity.

Credit Scoring 66

Credit Scoring Banking Venture Capitalist Finance 66

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 10

Credit Scoring Banking Dunning Metrics 10

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

Strategy Driven

SEPTEMBER 5, 2019

Amongst the world’s ambitious graduates are some of the next generation’s entrepreneurs and innovators. It helps to achieve a stronger business credit score. • Many graduates are both innovative and more financially-savvy than they get credit for. Some will have a carefully defined business plan.

Entrepreneur 12

Entrepreneur Venture Capitalist Banking Credit Scoring 12

Harvard Business Review

APRIL 26, 2017

Approval times are cut to days or, in some cases, a few minutes, fueled by data-driven algorithms that quickly pre-qualify borrowers based on a handful of data points such as personal credit scores, Demand Deposit Account (DDA) data, tax returns, and three months of bank statements.

Banking 11

Banking Stage-Gate Credit Scoring Competitive Advantage 11

Harvard Business Review

OCTOBER 21, 2013

Some innovative companies are connecting data traditionally used by banks to assess the credit score of loan applicants with information ranging from mobile phone usage data to online social media relations data, in order to better and faster assess the creditworthiness of a micro-loan applicant.

Credit Scoring 11

Credit Scoring Diversity Retail Media 11

The Horizons Tracker

NOVEMBER 14, 2023

The attractiveness of an individual’s loan request to potential investors typically hinges on factors such as a favorable credit score and a reasonable loan proposal.

Politics 119

Politics Credit Scoring Banking Proposal 119

Harvard Business Review

AUGUST 11, 2014

Small businesses are also instrumental to our innovation economy; small firms produce 13 times more patents per employee than larger firms and employ more than 40% of high technology workers in America. Since 1995, small employers have created about two out of every three net new jobs65%of total net job creation.

Technology 9

Technology Banking Class Real Estate 9

Harvard Business Review

FEBRUARY 19, 2018

It will be up to all digital companies to keep up and innovate in this new frontier for competitiveness: winning digital trust. 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. So will public sentiment and regulatory pressure.

Survey 9

Survey Environment Technology Comparison 9

Harvard Business Review

MAY 17, 2017

Even better, blockchains can spur local high-tech innovation. The Dubai Blockchain Strategy (disclosure: Vinay is the designer) envisions moving all government documents — more than 100 million documents per year — onto a blockchain by 2020, creating a new platform for innovation and huge cost savings.

Marketing 8

Marketing Technology Banking Efficiency 8

Harvard Business Review

MARCH 26, 2015

Use risk data as an avenue for innovation. CROs are deeply familiar with the troves of risk data, such as payment habits and internal credit scores, that their companies keep. With a little creativity, CMOs can work with them to monetize that data to create new products and, in some cases, whole new markets. .”

Credit Scoring 8

Credit Scoring Risk Management Finance Marketing 8

Harvard Business Review

NOVEMBER 6, 2018

The data will establish a social credit system expected to be both mandatory by 2020. In the context of this agenda, the Chinese government is assembling a comprehensive database on its own citizens with help from Chinese technology companies that routinely synchronize with the government.

Airlines 10

Airlines Technology Objective Policies 10