Callcredit Blog

Category Archives: Credit Risk & Affordability

Open Banking: Creating competition in the UK banking industry

By offering online banking, mobile apps and live chat, traditional banks have evolved to embrace new technology. But now, with the arrival of Open Banking, a revolution is coming – and it looks like it could shake up the whole … » Read more…

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Game changer: How machine learning technology became easier to deploy

  Overcoming historic barriers to deploying machine learning Since our inception machine learning has been a source of equal excitement and frustration for our in-house data scientists’ and analysts’. The team could see the potential of machine learning to improve … » Read more…

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Balancing Risk and Growth: challenge or opportunity?

The debt to income ratio is at its highest level since the last financial crash – representing a correspondingly high risk to lenders. At the same time, there are numerous other signposts to suggest the direction risk is taking. For … » Read more…

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Getting it right in the changing landscape of affordability

Getting your credit risk strategy right when the goalposts are constantly shifting is a major headache. Levels of unsecured debt in the UK are the highest since 2008, standing at £200.8 billion in June. This represents an average household debt … » Read more…

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Affordability best practice: what you need to know

Affordability assessments have quickly made their way up the priority ladder for lending organisations over the past few years. Increased regulation from the FCA has been an important reason behind this shift. But, our research of UK risk and customer … » Read more…

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