1. ID Analytics

    Could Convolutional Neural Networks Help Identify Risk?

     |  By ID Analytics

    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 …

  2. A New Approach to Building Credit Risk Models

     |  By Patrick Reemts

    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 …

  3. During the Rush of the Season, Don’t Rush to Judge Millennial Consumers

     |  By Patrick Reemts

    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 …

  4. Ken Meiser

    Black Friday – More Shoppers Means More Credit Applications

     |  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 …

  5. Millennial Credit Risk: 5 Common Myths

     |  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 …