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 …

In October 2016, ID Analytics announced the formation of the Online Lending Network (OLN), a consortium established to enhance responsible lending, help protect consumers and address credit and fraud risks.

Through the OLN, lenders report when a consumer requests an …

At ID:A Labs we’re always looking for new and more efficient ways to look at behavior patterns that may help us identify risk. In this video ID:A Labs Principal Data Scientist, Sunhyoung Han discusses her research involving Convolutional Neural Networks …

The alternative data that we use in our credit risk model is constantly evolving to provide the best recommendations to our clients. Recently we’ve improved our approach to the way we build those models to better align our product development …

It’s that time of year when shoppers are out in full force, braving Black Friday crowds and losing work productivity on Cyber Monday. Once the holidays have passed, big sales beckon to those looking for even more deals. Retailers are …