Tearsheet

AUGUST 7, 2024

Grace Howie , Vice President of Trade & Working Capital Fintech & Product Strategy at J.P. Grace Howie, Vice President of Trade & Working Capital Fintech & Product Strategy at J.P. All of these features are powered by our AI-driven underwriting and risk-scoring infrastructure, which is built in-house from the ground up.

AI 59

AI B2B Finance Underwriting 59

FICO

DECEMBER 8, 2022

If we think of a lending portfolio as an exclusive night club, its underwriting policy acts as the doorperson, checking IDs and making sure anyone trying to enter meets minimum acceptance criteria. Traditional underwriting risk management strategy approach in stressed versus unstressed economy. Senior Director, Scores.

Addressing 52

Addressing Risk Underwriting Risk Management 52

The Fintech Times

SEPTEMBER 3, 2024

Through the new partnership, Experian will leverage the ‘ReFi’ product by Paylink, expanding access to credit for a wider range of consumers through the Experian Marketplace.

Credit Cards 69

Credit Cards Financial Inclusion Underwriting Addressing 69

The Fintech Times

APRIL 22, 2024

Through the new launch, Codebase Technologies, with offices across MENA , Africa and APAC, will provide financial institutions with a tailored platform to launch a variety of SME financing products and services such as digital supply chain financing products, BNPL for business, working capital loans, and much more, across key geographies.

Underserved 69

Underserved Finance Technology APACS 69

Nanonets

MARCH 26, 2023

Mortgage processing automation helps companies reduce the manual workload involved in mortgage origination and processing, in order to improve accuracy and efficiency. Underwriting: The lender evaluates the borrower's application and documentation to determine the level of risk associated with the loan.

Automation 52

Automation Process Underwriting Fraud Detection 52

Finovate

JANUARY 29, 2024

” The San Francisco-based company expects that offering corporate card products under the Sunwest brand will help the bank both deepen existing customer relationships and attract new business. Torpago said that Sunwest considers the card program modernization effort as a “growth engine.”

Commercial Card 59

Commercial Card Payment APIs and Integration Credit Cards API 59

Finovate

JANUARY 16, 2024

TreviPay’s platform can be implemented in its original API integration directly into the seller’s point of acceptance. The network enables banks to offer a wide range of products to their small business customers via access to the small business B2B trade credit market.

Visa 59

Visa Payment APIs and Integration Gateways B2B 59

FloQast

APRIL 12, 2024

This section provides a detailed overview of company operations, products, and services. If the securities will be offered through underwriters, this section gives the names of the principal underwriters and the amounts underwritten. The first and most detailed part of Form S-1 is the prospectus. Plan of distribution.

Underwriting 52

Underwriting Indemnification Due Diligence Regulatory Compliance 52

FICO

JUNE 30, 2023

Figure 1 plots the odds-to-score relationship specifically on existing bankcard accounts, but we have observed similar trends across other products (e.g., originations). macroeconomic conditions, lending underwriting practices). The upshot is this: whether it’s called “FICO drift”, “FICO inflation” (or deflation for that matter!),

Underwriting 52

Underwriting Credit Risk Mitigation Risk 52

FICO

MAY 25, 2021

If we think of a lending portfolio as a night club, its underwriting policy acts as the doorperson, checking IDs and making sure anyone trying to enter meets documented criteria. FICO® Scores, often an important contributor to underwriting strategies, are designed to provide valuable risk rank-ordering through all economic cycles.

Risk 52

Risk Addressing Underwriting Economy 52

FICO

OCTOBER 10, 2022

A low FICO score for a consumer can have the perverse effect of preventing them from having access to a second chance through manual underwriting. And financial institutions use FICO® Scores to underwrite lending to millions of people so that they can achieve their financial goals like buying a first home or starting a business.

Consumer 52

Consumer Underwriting Credit Risk Risk Assessment 52

FICO

DECEMBER 18, 2018

Underwriters across the financial spectrum of banks, credit unions, and independents do a great job of mitigating risk when dealing with large, complex lending requests. the number of, terms of, and types of products in the offering, and more. The terms are simpler, the products more defined, and the dollar amounts much less.

Small Business 53

Small Business Underwriting Credit Union Origination 53

PYMNTS

DECEMBER 20, 2018

OnDeck will be adding a new corporate financing product to its offering next year: equipment finance. OnDeck began piloting its equipment financing solution earlier this year, referring small businesses to third-party originators and loan service providers. In a press release issued Wednesday (Dec.

Finance 52

Finance Small Business Origination Underwriting 52

PYMNTS

NOVEMBER 3, 2020

At a high level, according to the filing , “With China’s economy shifting towards domestic consumption and the growth of small businesses, the financial services needs of consumers and small businesses have expanded considerably and demand for credit, investment and insurance products is projected to increase substantially.

NOV 79

NOV Origination Small Business Non-Bank 79

FICO

JUNE 23, 2023

Decrease delinquency mortgage originations by 17% FICO® Score 10 T delivers a significant lift in the mortgage origination space with a five-point gain in Kolmogorov–Smirnov (KS) over the FICO Score versions most used by the mortgage industry. She has product responsibilities for FICO Scores in US, Canada and Mexico.

Credit Risk 52

Credit Risk Risk Assessment Assessments Risk 52

Fintech News

MARCH 18, 2024

The company operates TrueMoney, a fintech platform and super-app that provides products and services including the TrueMoney Wallet, WeCard by MasterCard, TrueMoney Cash Card, Kiosk, Express, Payment Gateway, and Remittance. TrueMoney claims 27 million users, of which 17. million being active users.

FinTech 109

FinTech Online and Mobile Banking Blockchain Product 109

Clearly Payments

JUNE 28, 2024

On the opposite end of the spectrum are embedded payments, where transactions are processed within the original interface, providing a seamless experience. For example, a company selling gym membership management software can enhance its product by allowing gyms to charge their members directly through the software.

Embedded Payments 52

Embedded Payments Embedded Finance Payments Process 52

FICO

MAY 6, 2019

As noted in the section “Risk in Bankcard Originations on the Rise” here , this relationship is currently trending downwards for certain products such as bankcards, such that repayment risk at a given FICO ® Score is higher than it was several years prior. So what are some of these factors?

Underwriting 75

Underwriting OCC Credit Risk Risk 75

PYMNTS

MARCH 12, 2020

Open banking and bank-FinTech collaboration can be an effective way for financial institutions (FIs) to launch new digital products. The API will reduce friction related to manual data sharing and entry, the company said, enabling lenders to more easily collect necessary information as they underwrite and make loan decisions.

Payment APIs and Integration 77

Payment APIs and Integration API Small Business Underwriting 77

PYMNTS

NOVEMBER 12, 2020

But the bank notes that complete underwriting procedures will be in place for more sizable loan amounts, the announcement stated. The platform provides coverage of origination and credit line increases for credit products geared toward SMBs and credit rules that showcase high-level neural network models, per the announcement.

Underwriting 56

Underwriting Procedures NOV Rules 56

Stax

JANUARY 29, 2024

So, that could be anything from a technical limitation to underwriting or risk concerns or having a tough time getting merchants through the enrollment process.” If they inhibit growth for your platform or your core product is potentially at risk, these are clear signs to consider a different provider. to avoid pain points).

ISVS 88

ISVS Payment APIs and Integration Processors Payments 88

PYMNTS

OCTOBER 2, 2018

Avant is best known among its financial services peers as a FinTech firm, founded to throw automation and an artificial intelligence (AI)-enhanced underwriting process at the problem of creating accessible, affordable personal loans for consumers. Avant’s consumer-facing product is devised as a digital alternative to that market.

Underwriting 53

Underwriting Online and Mobile Banking Void Verification 53

PYMNTS

OCTOBER 22, 2019

21), outlining an alliance that sees Investors Bancorp subsidiary Investors Bank collaborating with OnDeck Capital subsidiary ODX to digitize the bank’s loan origination platform for digital loan services in select markets. The companies announced their collaboration in a press release Monday (Oct.

Online and Mobile Banking 40

Online and Mobile Banking Small Business Origination Underwriting 40

PYMNTS

NOVEMBER 23, 2020

While many digital-first companies springboard from payments into lending, Figure Technologies , a FinTech focused on home improvement, debt consolidation and retirement products that leverage blockchain protocols, is branching out from lending into payments. There’s also the matter of product consistency.

Financial Inclusion 86

Financial Inclusion Office of the Comptroller of the Currency Blockchain OCC 86

Fintech News

MAY 7, 2024

Today, we look at the biggest rounds of VC capital secured by Asian fintech startups in Q1 2024, delving into these companies’ product offerings, recent achievements and growth strategies. Perfios is headquartered in Bangalore, with offices worldwide and with 75+ products and platforms, and over 500+ APIs. It does so by delivering 8.2

Payment APIs and Integration 126

Payment APIs and Integration Non-Bank Finance FinTech 126

FICO

FEBRUARY 25, 2019

In 2019, enhanced credit underwriting via digitally contributed-consumer data will hit the mainstream. Risk in Bankcard Originations on the Rise. This shift has been most notable for the bankcard originations population. 2018 SCE Credit Access Survey. revolver vs. transactor).

Credit Risk 63

Credit Risk Underwriting Origination Fed 63

The Fintech Times

FEBRUARY 20, 2024

More appointments RedCompass Labs, a payments modernisation company, has appointed Trevor LaFleche as head of product and Kellie Johnson as SVP for the Americas. Embea will use the proceeds to expand its pan-European Embedded Life Insurance platform and add new insurance products to its portfolio.

FinTech 64

FinTech B2B Compliance Non-Bank 64

Payment Savvy

SEPTEMBER 5, 2024

The fintech meaning is a compound constructed from two words – “financial” and “technology” – to denote the application of technology, comprising or involving financial services and financial products, in serving people. This has come to mean everything from banking and insurance to investments.

FinTech 52

FinTech Online and Mobile Banking Payment APIs and Integration Cryptocurrency 52

FICO

NOVEMBER 23, 2021

He has held various roles in product development, risk management, software development and consulting for banks, hedge funds and software firms, including Standard Chartered Bank, TCG Group, HCL and Cognizant. Senthil Erulappan, director, product engineering at FIS .

Regulatory Compliance 52

Regulatory Compliance Financial Inclusion Risk Management Consulting 52

Fintech News

FEBRUARY 27, 2024

bolttech Insurtech bolttech is a Singapore-based company that provides a platform to connect insurers, distributors, and customers for protection and insurance products. states with an ecosystem that connects 700 distribution partners with more than 230 insurance providers and offers in excess of 6,000 product variations.

FinTech 120

FinTech Risk Compliance Multi-Currency 120

FICO

AUGUST 25, 2021

In this final blog in my series, let’s explore how can lenders take advantage of advanced modeling technology to cost-effectively originate profitable, compliant decisions that protect your bottom line AND deliver an optimized customer experience to the best customers. Does that sound like a tall order?

Regulatory Compliance 52

Regulatory Compliance Assessments Compliance Origination 52

PYMNTS

JULY 23, 2019

According to the publication, citing reports from Beijing media group Caixin Media, banks will be required to obtain primary, original documentation from the corporate borrower and its trading partner to stronger finance underwriting. A similar dispute has also risen stemming from accounts receivable from Suning as well.

Finance 51

Finance Disputes Verification Underwriting 51

Fintech News

MAY 23, 2024

The Corporate Banking segment serves corporate clients, governments, and financial institutions with a range of services including accounts, loans, and foreign currency products. Commercial Banking offers a range of banking products and services. Personal Banking offers accounts, savings, cards, and loans to retail customers. #3

Online and Mobile Banking 131

Online and Mobile Banking Treasury Non-Bank Finance 131

PYMNTS

MARCH 1, 2019

Point of sale underwriting — installment loans offered to consumers at the point of purchase that let them finance their buy over time, usually three to six months — is more an example of the latter case. Chief among them was was JPMorgan Chase, arguably the most mainstream and established bank in the country.

Finance 63

Finance Identity Theft Push-to-Card Underwriting 63

Lending Front

MARCH 2, 2021

After all, manual underwriting and approval processes can cost lenders as much as $5,000 in productivity loss—and thousands more in missed opportunities. . Adapting to remote business operations with digital lending workflows. Without warning, COVID-19 forced lenders to confront inefficiencies in their lending strategies head on.

Credit Union 40

Credit Union Small Business Underwriting Procedures 40

PYMNTS

NOVEMBER 27, 2018

The Mortgage Bankers Association (MBA) reports that new home mortgage originations are at their lowest levels in years. That said, originations are also down 5 percent year on year. And it is a decline likely to be felt, as non-bank lenders now represent the majority of mortgage underwriting done in the U.S.

Non-Bank 46

Non-Bank Underwriting Federal Reserve Origination 46

PYMNTS

JANUARY 29, 2020

Their hesitation is understandable, considering many open banking initiatives aim to unlock data once held exclusively by traditional financial institutions (FIs) in favor of sharing that information with FinTechs — many of which offer products in direct competition with those banks. Value-Add for Corporates. Unlocking Data to Unlock Value.

P2P 52

P2P Lockbox Payment Reconciliation Value Added Service 52