Black Friday – More Shoppers Means More Credit Applications

December 7, 2016
By Ken Meiser

Although Black Friday has traditionally marked the start of the holiday shopping season, many retailers start their ‘Black Friday’ sales earlier each year to extend the holiday shopping season.1 Despite some holiday discounts starting early, according to the National Retail …

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Millennial Credit Risk: 5 Common Myths

November 2, 2016
By Patrick Reemts

In 2015 ID Analytics released a whitepaper titled Millennials: High Risk or Untapped Opportunity, which debunked common myths regarding the millennial generation and consumer behavior. Recently, ID Analytics released a follow-up study examining the potential consequences of millennials’ credit status. …

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Loan Stacking: Protecting Consumers and Online Lenders

October 26, 2016
By ID Analytics

By providing consumers and small businesses with a fast and easy way of securing funding, the marketplace lending industry has grown 700 percent from 2010 to 20141. Online lenders issued $15.91 billion in U.S. loans in 2014, according to a report published …

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Does Less Privacy Online Increase Your Risk of Identity Fraud?

October 10, 2016
By Dr. Stephen Coggeshall

Would you trade your sensitive personal information for a cookie? Probably not? Well, that’s just what 380 New Yorkers did in a ‘Please Enable Cookies’ experiment conducted at an arts festival in Brooklyn in 2014. In a twist on the …

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College GraduRATES for New Credit Applications

July 12, 2016
By Patrick Reemts

With college graduation season coming to a close, nearly two million1 millennials are preparing to leave the days of studying, sleeping and partying behind to enter the work world. As graduates embark on this new chapter, they may find themselves …

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New Account Fraud is on the Rise – Is There Any Defense?

June 29, 2016
By Ken Meiser

According to a new study from Javelin, instances of new account fraud more than doubled from 2014 to 2015.  This increase in fraud is attributed to a number of factors including the recent transition to EMV combined with a significant …

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Digital Banking – Innovating for New Customers

June 15, 2016
By Aaron Kline

As consumer expectations increase, are you providing a seamless customer experience?American Banker’s Digital Banking conference takes place next week in New Orleans and promises to cover ‘pressing industry challenges including trends and innovations in mobile banking’.1  As consumers rapidly shift …

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Surprising Fraud Risk Insights from the Online Lending Market

April 12, 2016
By Garient Evans

Consumer demand is driving tremendous growth and change in the online lending industry. Online lenders are also a popular target for fraudsters of all kinds, with two to four times the number of fraud attacks as other account types, according …

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Identity Fraud: What Can Enterprises Do to Better Fight it?

March 8, 2016
By ID Analytics

As a featured speaker at the TRMA 2016 Spring Conference, ID Analytics’ Raj Dasgupta will present best practices for minimizing identity-related fraud, helping victims of identity theft, and improving the processes that address these issues.Surprising Statistics In today’s world, data …

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The Rising Tide of Synthetic Identities

February 9, 2016
By Ken Meiser

How familiar is your institution with synthetic identity fraud? Are you aware that fraudsters are combining a possible valid SSN with other fake identity elements to bypass your security measures? Synthetic Identity theft is nothing to ignore. According to a …

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