Credit Risk Management

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How much ‘ energy ’ do you have for competitors or cus...

The Utility market in the UK is evolving fast. New entrants to the market often top the best-buy lists and occupy a rapidly growing corner of the market. Why? This growth is supported by Ofgem mandates to enable customers to switch suppliers within 3 days by the end of...

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Ever Evolving Trends...

We live in a constantly changing world. Technology is evolving quicker than ever, legislation is continually reviewed, renewed and added too and the economy changes daily. This world of continuous change affects us all and, whether consciously or subconsciously, it can significantly impact behaviours....

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Higher interest rates: How will you prepare?...

With the UK economy improving the need for supportive monetary policy from the Bank of England in terms of quantitative easing (QE) and a 0.5% base is diminishing rapidly. The short-term outlook for interest rates is now a matter of great debate, with many analysts expecting a rise in...

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Four reasons why you might be holding invalid bank acc...

Sending and receiving payments are business critical processes and when payments fail the impact on a company’s bottom line can be very serious. One area which causes payment failure but which may be overlooked is in the collection and storage of bank account data. When you collect and manage...

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What’s the score with fraud underwriting?...

It’s not uncommon for applicants flagged as potential frauds to be processed without being manually underwritten. Why? Simply because it is unrealistic to expect 100% of all referrals to be manually worked through. The sheer extent of referrals means that underwriters are suffering from capacity fatigue and a major...

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The importance of customer centricity in financial ser...

The importance of putting the customer at the heart of everything you do has long been discussed, but just when you think you’ve understood what they want, and how best to look after them, they evolve....

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No crystal ball? Try the next best thing...

To build stronger relationships with your customers and avoid losing them to your competitors, you need to accurately predict and meet their changing financial...

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Who do you lend what to, and when?...

The UK credit card market is facing unprecedented challenges, particularly for established high street lenders. Due to the strain on the economy post-crisis, many lenders have refocused their strategies on lower risk and, for some, franchised customers. While safe, these ‘low-risk’ clients have put increased pressure on the key...

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Homeowners face affordability squeeze when rates rise...

The affordability of mortgage repayments is once again under the spotlight following recent comments by the Governor of the Bank of England that “gradual and limited” increases in interest rates are “coming neare...

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