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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
S&P Global Market Intelligence, formerly S&P Capital IQ and SNL, is the premier provider of breaking news, financial data, and expert analysis on business sectors critical to the global economy. This article originally appeared on the SNL subscriber side of S&P Global's website.

Upshifting on auto lending

Lenders drive into auto even as credit quality concerns mount
Wells Fargo hit on military lending

Wells Fargo hit on military lending

Must pay restitution and penalties for violating Servicemembers Civil Relief Act.
SNL Financial, part of S&P Global Market Intelligence, is the premier provider of breaking news, financial data, and expert analysis on business sectors critical to the global economy. This article originally appeared on the subscriber side of SNL Financial's website.

Home equity loan balances fall again in Q4'15

SNL Report: Big banks see continuing runoff
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