Scorenomics Blog

How bad will COVID-19 credit delinquencies get?

Hutch Carpenter | July 15, 2020

When considering how bad COVID-19 credit delinquencies will be, we start with this fundamental principle: bad economy begets higher unemployment ...

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Scorenomics Blog

Collections personas based on the 3 C’s of delinquency

Hutch Carpenter | July 8, 2020

In a previous post, Delinquency mitigation optimizes to reduce bad debt, the concept of collections personas was introduced. Personas are ...

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Scorenomics Blog

Delinquency mitigation optimizes to reduce bad debt

Hutch Carpenter | July 1, 2020

In a prior post, Why banks’ digital strategy must include self-service collections, the concept of delinquency mitigation was introduced: Delinquency ...

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Scorenomics Blog

Why banks’ digital strategy must include self-service collections

Hutch Carpenter | June 24, 2020

Digital banking (web, mobile apps) has become ubiquitous in the United States. From its roots in the 1990s, online banking ...

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Scorenomics Blog

Separating BackOnTrack treatment effect from self-selection bias

Hutch Carpenter | June 17, 2020

In a prior post, I described the payment improvement that BackOnTrack generates for delinquent customers. It’s a powerful benefit, and ...

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Scorenomics Blog

BackOnTrack analytics predict who rolls and who cures

Hutch Carpenter | June 10, 2020

BackOnTrack’s core value for financial institutions is a valuable reduction in roll rates.  There are separate benefits as well. This ...

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Scorenomics Blog

Tools to manage the collections surge

Hutch Carpenter | June 2, 2020

Two aspects of the coronavirus recession that rightfully have received the most attention are (i) the hardship suffered by consumers, ...

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Scorenomics Blog

Collections customer retention during the coronavirus pandemic

Hutch Carpenter | May 19, 2020

The CEO of American Express made this observation about customer retention during the coronavirus pandemic: “These are good customers who ...

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Scorenomics Blog

Improve collections roll rates with these 3 behavioral principles

Hutch Carpenter | May 6, 2020

In the world of consumer debt collections, there are common tools to pursue payment. A well-equipped shop will leverage: Live ...

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Scorenomics Blog

Behavioral dynamics: Are you nudging or segmenting?

Hutch Carpenter | November 20, 2018

Scorenomics’ products provide two benefits: segmenting consumers based on credit risk and nudging consumers toward better payment performance and financial ...

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These Entrepreneurs Are Taking Back Your Credit Score From The Big Credit Bureaus

Jonah Sachs | February 15, 2018

The nightmare of last summer’s Equifax data breach is resurfacing. This week the Wall Street Journal reported that the data ...

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What If Your Credit Score Measured Your Financial Potential–Not Past Mistakes?

Ben Schiller | May 4, 2017

Zaydoon Munir emigrated to the U.S. from Baghdad, Iraq, so he knows the difference between an authoritarian regime and a ...

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Why behavioral data is critical in assessing consumer credit: An interview with Zaydoon Munir

Jon Ogden, Director of Content Marketing at MX. | May 10, 2016

This week we talked to Zaydoon Munir, the founder & CEO of RevolutionCredit, a company that uses behavioral data to ...

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Why Our Customers Love Amazon Machine Learning – A Guest Post from 47Lining

Mick Bass | April 19, 2016

Mick is CEO of 47Lining, an AWS Advanced Consulting Partner in the AWS Partner Network (APN) with the Big Data ...

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Startup Aims to Unearth Good Consumer Credit Risks

Michael De Los Reyes | February 22, 2016

“Ultimately, banks and lenders need new sets of data to make better credit decisions,” Munir said. “RevolutionCredit information would work ...

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Lot of Contacts in Your Mobile Phone May Get You Loans

Sangwon Yoon | November 15, 2015

They have no bank account, no credit score, no financial identity. So a quarter of humanity hasn’t been able to ...

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Big Data Companies For FinTech

Oleh Zaiats | November 10, 2015

Under the latest International Data Corporation (IDC) forecast, the market for big data companies is expected to grow to $48.6 ...

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RevolutionCredit Behavioral Risk Scores

| November 1, 2015

Revolution Credit in the United States offers FSPs a set of online financial capability development programs in the form of ...

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OurCrowd Launches $500K Investment Round in Winner of the Wharton Social Venture Revolution Credit

Samantha Hurst | September 17, 2015

OurCrowd, a leading equity crowdfunding platform, in collaboration with Locust Walk Partners, launches a $500K investment round in Revolution Credit, ...

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