How to assess loan applications for individual borrowers
Here's how to thoroughly assess loan applications for individual borrowers to reduce non-performing loans in your loan portfolio
What is the Credit Card Act and why was it introduced?
In the years before 2009, credit cards had become one of the most common forms of consumer borrowing in the United States. By 2008, household credit card debt had climbed past $900 billion, according to Federal Reserve data, and card issuers were enjoying some of their most profitable years. The business model was clear: interest […]
7 lending strategies every modern lender should consider
This article lays out seven practical strategies that move measurable outcomes: lower customer acquisition cost, higher approval accuracy, faster time to decision, and stronger lifetime value.