The Data Analytics Blog

Our news and views relating to Data Analytics, Big Data, Machine Learning, and the world of Credit.

10 ways the COVID-19 crisis will affect your credit models (PART 1)

One of the basic principles of credit scoring and modelling is that the “future is like the past”.  Whilst robust credit models may be calibrated on multiple time periods, this assumes that trends in the past represent what is going on today.  COVID-19 is a black swan event – meaning in the modern day it really is unprecedented.  If you have never come across the term black swan, or if you have but no idea the origin, I recommend taking two minutes to read its really interesting etymology.

COVID 19, mitigating this risk for business continuity and social responsibility

In 2011, Microsoft founder, Bill Gates, reflected on the many strides researchers have made in terms of treating diseases such as HIV, malaria and polio. Gates warned us, “There is one area, though, where the world isn’t making much progress, and that’s pandemic preparedness. This should concern us all because if history has taught us anything, it’s that there will be another deadly global pandemic”.

Cash Vs Credit For Retailers: A Principa Case Study

Principa’s Cash Vs Credit offering uses advanced analytics to help retailers answer a variety of questions. We have undergone such projects for many of South Africa’s leading retailers, and this case study describes the methodology Principa utilises to help retailers in the fashion industry.

Introducing CollectSuite: Your Comprehensive Collections Execution Suite

We introduce our CollectSuite, aimed at providing organizations with a comprehensive collections execution suite.

A Calculated Guess: Affordability Determination In The South African Market

With a recent judgment being upheld in favour of the National Credit Regulator (NCR) against Shoprite Investments Limited, we thought it would be a good time to re-look at the process of affordability assessment.

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