| Tackling the issue of bust-out fraud |
July 07  |
Imagine you work in a retail bank where you have responsibility for new business. You have decisioning systems, fraud controls, credit bureau links and you feel confident you can protect yourself against customers who could expose your organisation to every type of risk.
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| Marketing Optimisation |
May 07  |
Since the Nineties, European banks have focussed more on their retail market clients to better understand their financial needs and to recognise the clients which offer the most potential in terms of profitability. (Original article in Italian)
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| Customer Level Decisioning |
March 07 |
Recently published article in Retail Banker International.
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| Credit scoring in the mortgage sector |
Jan 07 |
The use of credit scoring can be traced back to World War II, when scoring techniques were
developed in the US to fill the void left by human decision makers serving in the armed forces.
Since that time, credit scoring has evolved both in the sophistication of the analytical
techniques employed and the level of integration into lenders’ decision-making processes.
Early uses of credit scoring focussed on the prediction of the risk of arrears or default.
Confidence in the use of such scoring models was low and, consequently, so was the use of
score based automated decision-making.
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| Germany: Strong
automotive industry within
a weak economy |
Jan 07 |
The German economy is still
struggling to return to growth. In
contrast, the German automotive
industry is in a good shape: while
GDP grew a modest 0.9 per cent
in 2005, the revenues of the
German car industry went up
another four per cent after a
record-breaking year in 2004.
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| Brighter days yet to come for Turkish Automotive market |
Jan 07 |
The days of explosive growth may be over, but Turkey is ripe for long term growth in car ownership
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