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17Dec/20

Using big data to move beyond FICO and LTV for loan analytics

first_img continue reading » 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr The FICO score has a long and well-established history as a key metric in the determination of credit-worthiness. The FICO score has the power to influence whether a person can experience significant life events, like the purchase of their first car or home. Currently, it’s a major factor in credit union loan analytics.However, as we rapidly enter the age of Big Data and loan analytics, does the FICO score utilize enough information to make an accurate determination of a borrower’s ability to pay? The wealth of data available to credit unions should augment their loan analytics.A New Age of Loan AnalyticsAs I consider the future of credit unions, I believe the industry’s position on the significance of the FICO score in their underwriting process is an important issue. Is FICO a major determining factor, or is it merely one of many data points that can be used to predict probability of default for a given loan?last_img read more

30Aug/20

Paysafe Group signals US betting intent with ‘Single Point API’ launch

first_img SBC’s Year In Review: September’s big betting news December 27, 2019 Skrill launches ‘Knect’ next-level rewards programme November 22, 2019 Share Share StumbleUpon Submit Related Articles Paysafe hires former Barclays UK platform lead Sujit Unni as new CTO February 14, 2020 Global payments and e-merchant services provider Paysafe Group has stated its corporate intent to lead transactional services within the liberalised US sports betting market in 2019 and beyond.Yesterday at the ICE London 2019 conference, Paysafe leadership announced the launch of its industry-specific ‘single point API’, which will deliver a unified payment platform/solution for all igaming/betting incumbents.Launching its new vertical, Paysafe states that it will deliver the most comprehensive and secure global payments solution for all industry incumbents, utilising the scale of its flagship Paysafe processing systems capacity, further supported by its digital wallets Skrill and NETELLER and online prepaid solution Paysafecard.Targeting future growth, within the saturated igaming/gambling space for payment processing incumbents, Paysafe leadership is clear that its ‘new horizons’ lie stateside post-PASPA.Having commissioned sports betting consumer research in 2018, Paysafe details that 23% of US betting consumers consider ‘the availability of payment methods as a key differentiator’, with a further ‘42% of bettors surveyed’ stating that they would use a different payment method for wagering transactional services.Karim Ahmad – Paysafe GroupAt a technical level, Karim Ahmad – Paysafe Chief Product Officer details the advantages that a single-point API would deliver to multiple stakeholders.Ahmad underlines streamlined checkout experiences, deeper reporting on financial transactions across user verticals, higher product customisation and atomisation of transactional processes.“Players want payment options which are seamless and secure, and which they don’t notice. Whether it’s traditional payments, digital alternatives or future innovations, it needs to be effortless. Paysafe has over 20 years’ experience in the payments industry and has spent a number of years partnering with leading businesses in the iGaming space, helping them to operate and scale at speed. Our solutions are established and widely recognised in this sector and cover the broadest range of payment methods, which is why Paysafe is now the unquestioned partner of choice for the iGaming industry”last_img read more

31May/20

Prem to drop early transfer deadline as Arsenal, Liverpool and Spurs admit defeat

first_imgThe German now feels the move has not worked because European leagues have not followed suit.Boss Poch announced Tottenham chairman Daniel Levy has agreed to accept his advice and back European alignment.Most Read In FootballTHROUGH ITRobbie Keane reveals Claudine’s father was ’50-50′ in coronavirus battleTOP SELLERGavin Whelan has gone from League of Ireland to David Beckham’s InstagramExclusiveRIYAD RAIDMan City’s Riyad Mahrez has three luxury watches stolen in £500,000 raidPicturedAN EYEFULMeet Playboy model and football agent Anamaria Prodan bidding to buy her own clubI SAW ROORodallega saw Rooney ‘drinking like madman’ & Gerrard ‘on bar dancing shirtless’NEXT STEPJonny Hayes set to move to English Championship having been let go by Celtic LADBROKES 1-2-FREE Simply predict Liverpool, Rangers vs Celtic and Arsenal vs Spurs scores this weekend and win £100Chelsea remain a stand-out in opposition to the move. The Blues’ stance is that clubs can simply say ‘No’ to potential suitors.Prem clubs can debate the issue at the first shareholders meeting of the 20 members on September 12.With a simple majority required, it is expected the matter will be formally put to a vote — with England getting in line with Europe.2 Jurgen Klopp was forced to bring in free agent Adrian when No1 Alisson got injuredCredit: Getty PREMIER LEAGUE clubs will have until September 1 to do their transfer business next summer.The about-turn comes after Arsenal, Liverpool and Spurs agreed closing the window early simply had not worked.2 Mauricio Pochettino has been left struggling to maintain his star man Christian Eriksen’s focusCredit: Richard Pelham – The SunEuropean clubs had until yesterday to complete their squads for the new term.Prem sides’ window for registering players shut on August 8, one day before the season started.But August saw Mauricio Pochettino distracted by the Christian Eriksen saga at Spurs.And Liverpool had to bring in Adrian as an emergency back-up for injured keeper Alisson.FIVE OF BIG SIX AGREESo five of the Big Six are now supporting a return.Manchester United and City were outvoted in November after trying to put the Prem in line with Europe.Arsenal had pushed for the early window closure when Arsene Wenger was furious at losing Alex Oxlade-Chamberlain to Liverpool in 2017, two weeks into the season.CHELSEA GOING IT ALONEBut they have now changed their stance.Liverpool boss Jurgen Klopp was also initially in favour of the early closure.last_img read more

19Aug/19

Illegal fishing kills 7 sharks including endangered scalloped hammerhead near Cocos Island

first_imgRelated posts:Actor Leonardo DiCaprio talks about illegal fishing in Costa Rica’s Cocos Island Police rescue giant sea turtle from trunk of a car after shootout with suspects Following public outcry, Costa Rica temporarily blocks exports of hammerhead shark fins Sea Shepherd’s Paul Watson turns to human rights commission to block Costa Rica’s legal chase Park rangers on June 14 detained a boat fishing illegally near Cocos Island National Park, a protected marine area more than 300 miles from Costa Rica’s Pacific Coast. The boat’s fishermen had hooked 11 sharks on their longlines before the rangers intervened.Officials were able to free four sharks, but seven others died. Among the dead sharks was an endangered scalloped hammerhead.The area around Cocos Island is known for its abundant shark population, but biologists estimate that illegal fishing in the area has lowered numbers of some species by as much as 70 percent.Recommended: Actor Leonardo DiCaprio talks about illegal fishing in Costa Rica’s Cocos IslandDespite the installation of a state-of-the-art radar system on Cocos Island, sharks and other marine life surrounding the island still endure frequent threats from illegal fishing in the area, according to the park’s administrator, Geiner Golfin. Sharks caught off the coast of Costa Rica. (Courtesy of Geiner Golfin) A hammerhead shark swims off the coast of Cocos Island in the Costa Rican Pacific. (Courtesy of Geiner Golfin) (Courtesy of Geiner Golfin) Facebook Commentslast_img read more