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Can Alternative Data Determine a Borrower’s Ability to Repay?

  • Posted by FactorTrust
  • On February 18, 2015
by Brian Browdie It’s taken about three years of experimenting, but Thomas Bloetscher says Regions Bank has started to crack the code on lending to people with scant credit histories. The Birmingham, Ala., bank has been sifting through reams of alternative data — mobile phone bills, rent payments, payday loans — to predict how so-called […]
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Millennials Buy, but on Their Own Terms

  • Posted by FactorTrust
  • On February 13, 2015
By Greg Rable We are all familiar with the unflattering descriptors that annoyingly stick to millennials: ungrateful, entitled, lazy, and self-obsessed. Most of these stereotypes have been debunked. At the very least, they are debatable. However, lenders of all stripes, especially auto lenders, should take note of the two things we know to be true […]
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