 | The Changing Shape of Risk and Lenders’ Ability to Assess ItIn this on-demand webinar, ID Analytics and LexisNexis Risk Solutions share the new credit-seeking behavior and application patterns that emerged in the first few months of the Great Lockdown. |
 | 2020 vision: Taking action on the latest trends in alternative dataThis on-demand webcast details a series of emerging trends in the use of alternative credit data heading into 2020 — and outlines the key concepts and best practices needed to stay ahead of them. View Webinar |
 | The State of Alternative Credit DataThis presentation provides an update on the world of alternative credit data, shedding new light on its ability to assess credit invisibles, its application in prescreen and portfolio management use cases, and clarifies the pros and cons of contributed vs. permissioned alternative data solutions. View Webinar |
 | Alternative Credit Insights: The Key to Universe ExpansionIn today’s competitive marketplace, enterprises must cast their nets wide to stay competitive while promoting consumer credit inclusion. In this webinar, hosted by the Consumer Bankers Association, we explain how your institution can expand your universe of prospects and optimize product offers without increasing risk using alternative credit data insights. View Webinar |
 | NEW: Debunking Millennial MythsIs there a lack of demand for credit products among millennials? Are young adults considered to be “low score” and “no score” always high risk? View our webinar now to learn how declining millennials at a high rate could jeopardize your institution’s long-term success. View Webinar |
 | Driving Real Results from Alternative DataWhile many lenders recognize that the answer to this challenge is the incorporation of “alternative” credit data into their underwriting processes, too often the hurdle of developing strategies and navigating internal compliance reviews can make adoption feel out of reach. In this webinar, credit and automotive lending experts share insights on extracting real results from alternative credit data. |
 | Alternative Data for Credit DecisioningAlternative credit data represents an opportunity for lenders to improve the accuracy of underwriting models and expand the world of credit to more candidates. In this webinar, credit experts from Mercator and ID Analytics share insights on the use of alternative data in credit decisioning. |
 | More Molehill than Mountain: Pushing Past Myths in Alternative Credit AdoptionIn this webinar, credit experts from ID Analytics highlight strategies for leveraging alternative data to improve lending decisions across your portfolio, and review methodologies for incorporating these new insights into your underwriting processes. View Webinar |
The Changing Shape of Credit Risk: A study on the initial impacts of the Great LockdownMarch 2020 brought dramatic changes to the U.S. economy. What impact have these changes had on consumer credit? Download our white paper now to learn more about how lenders can regain clarity on credit risk by obtaining a more complete picture of consumer creditworthiness. View |
Change in Management: Examining the potential for alternative credit scores to transform portfolio managementCan alternative credit scores help lenders identify changes in consumer credit behavior earlier than traditional assessments? View the research from ID:A Labs to learn about the value of alternative credit scores for portfolio management. View |
target=”_blank”Fueling a Competitive Lending Strategy with Alternative Data – Presented by American BankerWhile lenders have historically relied on national credit reporting data to make underwriting decisions, traditional credit scores are no longer enough to paint a complete picture of a consumer’s creditworthiness. This white paper from American Banker covers how alternative data supports lending and what to look for in an alternative data provider. View |
Leveraging Alternative Data for Prescreen and Portfolio ManagementLearn how alternative credit data can be used to enhance prescreen campaigns and gain early insight into growth opportunities and potential risk through portfolio analysis. View |
Making the credit invisible, visible: A study on the benefits of alternative credit dataThe plight of the credit invisible consumer and their ability to access traditional financial services has been under a microscope for the past several years. This study from ID:A Labs examined (1) the challenges faced by the demographics identified as persistently unscorable, (2) the application patterns of this group, and (3) how alternative data can help the most challenged credit invisible consumers gain access to credit. View |
Solving Synthetics: Holistically Attacking a Diverse ThreatIn this third installment of ID:A Lab’s three-part research series on synthetic identities, we compared the performance of a holistic synthetic solution, to traditional fraud and credit defenses and a symptom-focused synthetic solution at a leading U.S. card issuer. View |
All synthetic identities are not created equal: Examining purported synthetic signaturesIn this installation of the synthetic identity research series, ID:A Labs examined the variability in behavior of synthetic identities and how those differences make synthetics very difficult to solve with solutions that target only one signature trait associated with the crime. View |
Slipping Through the Cracks: How Synthetic Identities are Beating Your DefensesID Analytics conducted a study to (a) examine how synthetic identity behaviors find their way past fraud and credit screening at leading financial institutions (FIs), and (b) determine indicators for isolating likely synthetics. This study is part one of a synthetic research series that examines synthetic behaviors and how deeper insights can be used to help reduce the growth of this elusive problem. View |
Leveraging Alternative Data to Uncover Hidden Growth OpportunitiesScoring models that leverage alternative credit data sources can provide the additional insight needed to uncover hidden growth opportunities among credit invisible and marginal applicants, many of whom can present a profitable opportunity for lenders and service providers. View case studies in this summary. View |
Alternative Credit Scores: The Key to Financial Inclusion for ConsumersIn this study, ID Analytics examined credit applicant populations at ten key lenders to determine if the introduction of alternative credit data analysis tools would impact the eligibility of thin-file, no-hit, marginal and subprime consumers for credit accounts and loans. View |
Fueling Auto Lending with Alternative Credit DataCombining traditional data sources with alternative data sources enables enterprises to see a broader scope of consumer behavior, which helps them make more informed credit decisions and further separate risk. View |
Mercator – Applying Alternative Data to Credit Decisioning: A PrimerAlternative credit data represents an opportunity for lenders and merchants to improve the accuracy of underwriting models and expand their credit candidates. View |
Debunking Millennial MythsOnce millennials are declined for credit they may not return. New research from ID:A Labs reveals that over six out of 10 millennials declined for credit are not seen applying again for at least 12 months. View |
Expanding Financial Inclusion in Automotive LendingBetter credit decisioning can be achieved using a combination of traditional and alternative credit data. This allows enterprises to be more inclusive with their lending strategies without increasing risk exposure. View |
Millennials: High Risk or Untapped Opportunity?The latest study from ID:A Labs analyzes consumer behavior for three demographic groups, millennials, Generation X and baby boomers, across multiple industries, and explores the rates at which millenials are seeking and being denied credit. View |
Credit Optics Full Spectrum OverviewCredit Optics® Full Spectrum is an FCRA-compliant credit score which provides the powerful, differentiated insights organizations require to develop a complete picture of an individual’s creditworthiness across the customer lifecycle. View |
Credit Optics Full Spectrum for Automotive OverviewCredit Optics® Full Spectrum is an alternative credit score which provides powerful insights for thick, thin, and no file applicants across the full credit spectrum. This unique, broader visibility into consumer credit risk enables lenders to develop price optimization strategies which deliver a competitive edge. View |
Credit Optics® Full Spectrum PrescreenAre you are sending product offers to the same people over and over and not seeing the returns you hoped for? If so, it is time to expand your prospect universe. View |
Credit Optics® Full Spectrum PortfolioWould you like to uncover growth opportunities within your credit portfolio? Learn ways to help increase the longevity and profitability of the customer relationship, maximizing value for both the account holder and your organization. View |
Credit Optics Intentional MisuseCredit Optics® Intentional Misuse offers a powerful FCRA-governed risk assessment of one of the most challenging loss drivers in lending – credit abuse. View |
Credit Optics Alternative FinanceCredit Optics® Alternative Finance helps lenders identify high- and low-risk applicants within subprime score bands, allowing for sharpened approval decisions and more competitive and precise loan terms relative to risk. View |
 | Alternative Credit Data Across the Customer Lifecycle |
 | The Rising Tide of Synthetic Identities |
