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Alternative data recognized by five federal agencies, an ID Analytics viewpoint
Earlier this week, five federal financial regulatory agencies issued a joint statement on the use of alternative data in underwriting by banks, credit unions, and non-bank financial firms. These agencies noted several benefits alternative data may provide to consumers, such …
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Will synthetics be a grinch who stole Christmas this Black Friday?
‘Twas the night before Black Friday and as retailers were preparing for the masses, synthetic identities were slipping past lenders’ fraud defenses…
The holiday shopping season is upon us and 2019 retail sales are predicted to mark the first-ever trillion-dollar …
Is identity fraud becoming a leading economic indicator?
Economists continue to debate whether the next recession is around the corner or several years off. In recent months, ID Analytics has observed an interesting trend – fraudsters appear to be behaving as if the economy is already in a …
Transforming portfolio management with alternative credit scores
Enterprises have begun to see the value in using alternative credit scores as part of their lending decision processes for various use cases – from identifying more creditworthy consumers to discovering marginal consumers with potential for growth. While the use …
How NASA Federal Credit Union reduced friction for 97% of new applicants, without increasing fraud risk
Fraudsters today use increasingly sophisticated tactics and target a wide range of industries. Account takeover and new account fraud are on the rise, including in new areas such as merchant debit cards, prepaid cards and mobile phone accounts. One of …
