Tag Archives: credit analysis

Online lenders – Threat or promise?!

You might have already heard about Lending Club, Prosper, or OnDeck? In my initial understanding these online lenders offer loans more conveniently and with lower interest rates than a traditional bank, i.e., they provide access to credit to many who often … Continue reading

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Can the time I spent on Facebook determine my credit score? The birth of a Chinese Lending Club…

…this is at least the hypothesis of China’s largest peer-to-peer lending site. They have  rated 50m Chinese consumers for creditworthiness using social networking and computer gaming data. i.e., if you spend a lot of time chatting on social networks or playing computer … Continue reading

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A US study: Utility and telecom payment data predict loan repayment capacity!

I still remember my times at CGAP when the Technology Team was working with PERC, a research center and advocacy group working on: reducing credit invisibility, ie., “credit invisibles” without credit data are most often rejected by mainstream lenders using … Continue reading

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Psychometrics in credit analysis – Threat or Promise?!

A recent article in the Financial Times (June 25, 2014) brings the topic and discussion around it back on the table. Psychometric tests as part of a credit analysis become increasingly popular, especially with commercial banks and large microfinance institutions. … Continue reading

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