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Are You Ready for the Next Frontier in Loan Origination?

Are You Ready for the Next Frontier in Loan Origination?

Technology has transformed every aspect of our lives and has completely altered our perception of the world.
National banks should get back into smaller consumer installment loans, and can confidently proceed knowing the Comptroller's Office approves of the concept, according to policy document issued this week.

Make small consumer loans, OCC urges

New bulletin meant to send signal of agency acceptance
Careful users of alternative forms of borrowing may prove to be good prospects for traditional installment credit, according to TransUnion.

Alternative loan borrowers may be traditional prospects

Debt management ability found among users of payday and other short-term credit
Bank tech trends can make your head spin. So regularly longtime Tech Exchange Editor John Ginovsky does his best to “make sense of it all.”

What do customers really want?

Banks continue to grapple with customer experience dilemma
Wherever they shop, Americans go with ready credit. Will they stick to their budgets or fall into spending traps?

Black Friday: Ready, set, charge!

Record number of credit-equipped consumers hit prime buying season. What are traps?
Baby boomers can ill afford to encumber retirement assets, but an unfortunate portion are. A recent study explores the cause of this and other financial challenges to non-prime Boomers.

Unexpected expenses hit non-prime Boomers hard

Borrowing against retirement plans postpones future
A new generation will take financial services into the future. In the new blog "Next Voices" a rotating group of bloggers of the younger generation will share what they are learning, thinking about, and doing. Proposals from guest bloggers are also invited. Please email scocheo@sbpub.com

What’s wrong about millennial credit scores

Credit education, critical to financially “growing up,” is ignored. But scoring itself needs fixing
Among the trends detected by TransUnion’s latest credit research are significant changes in mortgage credit.

Access to consumer credit grows amid concerns

Originations and balances are up—but so are delinquencies in certain segments.
Understanding a consumer's relationship to their credit can be better with trended data, a "movie" instead of a "snapshot." But there's more to it than just gathering more data points.

Getting the point(s) of trended data

Predictive analysis brings understanding plot of credit “movie” over the snapshot
For a lender, how many moves are too many? TransUnion research scopes out some answers.

Can address stability predict credit risk?

Viewed in proper context, data regarding moving can be indicative
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