In 2017 the auto industry experienced its first sales decline in seven years1 and auto experts forecast this trend will continue into 2018.2 There are several reasons sales have reached a plateau. People are holding on to their …

It can be difficult to capture the attention of the 21st century consumer—the average American is exposed to 4,000 to 10,000 brand messages per day.¹ In an increasingly competitive marketplace, enterprises must cast their nets wide to expand their …

Cybersecurity attacks captured headlines last year as Bloomberg declared 2017 the ‘Year of the Data Breach,’ with a record-setting 1,253 publicly reported data breaches.¹ New malware, including ransomware threats, hit an all-time high.²  Additionally, the number of identity fraud victims …

Credit unions have seen their operating costs rise dramatically since the 2008 financial crisis, due to the plethora of new regulatory and compliance changes that came in its aftermath. A report issued by the Credit Union National Association (CUNA) reveals …

Consumer credit behavior in the U.S. has evolved over the past decade, along with the data and scoring systems that represented that behavior. As a result, many consumers have a difficult time gaining access to affordable credit, or credit at …