White Papers
May 8, 2023Download Equifax's Monthly U.S. National Consumer Credit Trends Report: June 2023 - Portfolio here .
May 2, 2023The Tenth Annual Experian Data Breach Industry Forecast offers a road map into the future. Literally. How will modern technology, cyber resilience, and cyber recovery intersect in the next generation of attacks? Will the metaverse matter, and how will the ability to detect ‘deep’ and sensitive attacks impact entities and everyday consumers alike? With six predictions instead of five, this year’s...
May 2, 2023With fraud expected to surge amid uncertain economic conditions, fraudsters are preparing new deception techniques to outsmart businesses and deceive consumers. To help businesses prepare for the coming fraud threats, we created the 2023 Future of Fraud Forecast . Download forecast here .
April 26, 2023In 2016, a major US lender (“the Lender”) became the first company to use the Oliver platform to coordinate and supervise the law firms it hires to collect defaulted loans. Amid increased regulatory scrutiny of debt collection activities, the banking company, one of the nation’s five largest, was looking for a cost-effective way to ensure its entire litigation process complied with state and...
April 13, 2023Net interest income can drive as much as 75% of a bank’s revenue. Because of that, the recent rise in interest rates has helped banks maintain revenue momentum despite ongoing pressures on fees. Indeed, both components of net interest income — net interest margin (NIM) and volume — have grown significantly over the last six months. The looming challenge, however, is that NIM may be peaking. Click...
April 4, 2023The world is becoming more digital, and credit unions and regional banks must adapt in order to address customer pain points and remain competitive with larger institutions. In the newly published Next-gen loan payments report from Transactis, a Mastercard company, discover how implementing digital billing enables U.S. financial institutions to offer customers greater control and confidence over...
March 28, 2023The 2023 Alternative Credit Data Impact Report offers more insights into alternative data usage and outcomes, including deep dives into: The top drivers of alternative data adoption Benefits of incorporating alternative data and its impacts on revenue growth Challenges that may be limiting adoption rates Download white paper here .
January 27, 2023The future of the branch is dynamic, with banks continually innovating to find ways to improve efficiencies while increasing sales and enhancing customer engagement. One way they are addressing these goals is through new operating models. Learn what models banks are experimenting with now and plan to invest in more in the future. For example, respondents to an American Banker survey indicated...
December 19, 2022Traditional lenders are definitely thinking about technology innovation – with the goals of delivering better consumer service, enabling greater efficiencies and modernizing lending processes. At the recent CBA Live conference, 87 percent of the 94 home equity decision-makers in the innovation forum said they were either already investing in new technology or planned to in the near future. But...
December 14, 2022It’s always difficult to predict what will happen next in the mortgage industry, but there is a consistent theme to what keeps mortgage lending and servicing executives awake at night — profitability and regulatory pressures. Unfortunately these two challenges are often at odds with each other, as compliance costs continue to grow and eat into profit margins. So what investments will deliver the...
