Posts

Challenge Traditional customer-level underwriting can now be augmented with transaction data to improve predictive accuracy of payment outcome Creditors with slow, batch-based decisions, platforms and strategies will be outperformed by players with more nimble decision and processing architectures with real-time access to emerging data and services Variable payment terms on new POS payment options / […]

Customer-first, near-zero marginal cost operating models will emerge as the new standard for successful players, supported by end-to-end digital delivery. Covid is accelerating this and exposing weaknesses in fintechs and legacy lenders who are lagging in digital capability. Non-prime consumer population will grow by circa 100% by the end of 2021 as a result of […]

Compelling customer propositions and customer-first operating strategy are important to ensure customers choose a company’s products. Customer needs are also important, but often the need for credit can be met by many competitors. Products and a supporting delivery model that drives customer consideration leads to higher growth, lower credit risk, lower attrition, and helps to […]