Student loan debt in the United States has reached about $1.34 trillion. It’s greater than the aggregate of credit card debt. But surprisingly, we haven’t seen much in-depth anal…
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More than 70 straight months of US job growth, the official unemployment rate down below 5%, and average hourly earnings growing at a seven-year high of 2.9%. Signs of approaching…
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Our fascination with millennials and their like or dislike of credit continues to occupy its fair share of column inches – so much so that a while back I decided to take a look for…
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Nothing fascinates us more in the world of demographics than what the Millennial generation think, do and how they act. One thing for sure is that, as they vie with the Baby Boome…
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If you follow the financial press, blogs and newsletters, you may have noticed a sea change in the topics du jour over the last 12 months. As we close out 2016, receding into the…
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FICO’s latest research on national FICO® Score distribution shows that US credit quality continues to trend upwards, with an increasing number of consumers scoring in the highest s…
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The path to a better lifestyle includes access to credit. Unfortunately, an estimated 3 billion people worldwide fall outside the credit mainstream – they either don’t have a bank…
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Last month the President of the San Francisco Federal Reserve Bank addressed the LendIt USA conference here in San Francisco. He talked about “unintended consequences” and the role…
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In the last few weeks I have been asked on several occasions to comment on the use of “alternative data” in credit scoring and risk assessment. Sometimes it seems I am being asked…
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What does the road ahead hold for bank risk managers? As 2015 winds down, I’ve been visiting many banks all over the world. During these conversations, several themes keep recurrin…
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I guess I can pack up my desk and go home. My career was just ended by none other than basketball legend Charles Barkley, who dealt a death blow to the burgeoning analytics industr…
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Happy New Year! We’re kicking off 2015 with the release of our latest credit risk survey results. The bank risk officers we polled in December offered interesting insights into th…
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