The Data Analytics Blog

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

The often-overlooked tech. in digital credit originations

With the large drive in account origination towards digitisation and automation, in our experience much focus has been on bedding down omni-channel capability. But the real unsung hero of an originations’ project is the API hub. In this blog I unpack API hubs and APIs available in originations. 

Collections Technology in the aftermath of a pandemic (Part 2)

In part 1 of this 2 part series, we looked at the available tools in working accounts optimally as well as tools available in connecting and engaging with the customer.

Collections Technology in the aftermath of a pandemic (Part 1)

We all know the importance of technology within the call centre … or do we?

Model validation and adjustment

The time is NOW for model validation and adjustment. One of the major premises used in credit scoring is that “the future is like the past”. It’s usually a rational assumption and gives us a reasonable platform on which to build scorecards whether they be application scorecards, behavioural scores, collection scores or financial models. That is reasonable until something unprecedented comes along. You can read about this black swan event in our previous two blogs here and here.

Payment holidays – what did everyone do?

Payment holidays have been used throughout South Africa and around the world to help alleviate the economic stress during the COVID-19 lockdown. In this blog we look at some of the steps taken internationally and by some of South Africa’s major lenders (specifically in the consumer space).

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