PYMNTS

DECEMBER 2, 2020

A recent analysis found that interest-free installment payment plans appeal to these consumers, in part because they offer the financial flexibility to buy more expensive purchases without taking on traditional credit risks. Unbound Merino Leverages Installment Payment Plans For More Accessible Shopping.

Sales 77

Sales Retail Budgeting Leverage 77

PYMNTS

FEBRUARY 22, 2019

According to recent data from Moody’s investor services, corporate leverage in the U.S. has reached pre-2008 levels, meaning banks are facing risk that is elevated above what has been seen since the financial crisis. All in, the leveraged loan market in the U.S. “If operating conditions in the U.S. “U.S.

Leverage 46

Leverage Credit Risk Valuation Banking 46

Focus CFO

MARCH 3, 2022

Trading partners’ credit risks : Customers and suppliers grapple with the same inflationary pressures and working capital management challenges, which can create a drag on their profitability. Moreover, these issues can impede a customer’s ability to pay and a supplier’s ability to deliver. .

CFO 52

CFO Strategic Planning Communication Credit Risk 52

PYMNTS

MARCH 27, 2020

Banks are leveraging various techniques to identify and stop application fraud before criminals make off with fresh credit cards or loans. These processes analyze multiple data points in each application — including past account activity, cross-account linkage and metadata — to determine fraud risks.

Technology 83

Technology Leverage Credit Risk Banking 83

PYMNTS

JUNE 8, 2020

The firm’s lenders use a combined credit risk scoring methodology that uses traditional models such as the Altman Z score and deep learning model (leveraging neural networks, for example) to assess loans. Crowdfunding, according to the company, and P2P payments, are cost efficient means of raising and distributing capital.

Credit Risk 52

Credit Risk Education Investments Banking 52

CFO Talks

JUNE 7, 2022

Competencies include: Working knowledge of risk management, budget, and forecasting tools. Investment and credit risk knowledge. Information quality and control rationalisation are top-of-mind issues for the Steward. Accounting knowledge (IFRS and taxation). External financial and regulatory reporting knowledge.

CFO 52

CFO IFRS Leadership Risk Management 52

PYMNTS

APRIL 2, 2020

billion by 2025, with banks of all sizes leveraging such capabilities. It is key to risk management functions, which entail assessing the likelihood that any given transaction could be fraudulent or present a credit risk. One of the most powerful tools in the financial sector is data analytics.

Banking 94

Banking Risk Management Credit Risk Valuation 94

PYMNTS

FEBRUARY 3, 2020

Loans were primarily issued to SMB merchants that sell on the site, and bank partnerships were leveraged in some foreign markets.

Credit Risk 52

Credit Risk Leverage Banking eCommerce 52

The Finance Weekly

NOVEMBER 20, 2023

Risk and Expenses Management AI-driven , tools for risk management empower FP&A leaders to evaluate and address risks more efficiently. These tools examine factors such as market changes, regulations, and credit risks to pinpoint potential threats to financial performance.

Financial Planning and Analysis (FP&A) 52

Financial Planning and Analysis (FP&A) Finance Cash Flow Forecasting Forecasting 52

PYMNTS

DECEMBER 21, 2020

More and more companies are starting to leverage payments technology with [virtual cards] because of the value to all players in the ecosystem,” Fenton said. For example, our portfolio company, GDS Link, provides credit risk management solutions to lenders.

B2B 79

B2B Healthcare Auditing Investments 79

PYMNTS

OCTOBER 17, 2016

On pace to more than triple its year-over-year loan volume, Affirm will leverage the facility to continue its expansion of consumer-friendly point-of-sale financing at leading online and offline retailers, the company said in a press release.

Credit Risk 51

Credit Risk Risk Management Leverage Finance 51

PYMNTS

NOVEMBER 3, 2020

Today in B2B, Bloomberg broadens its credit risk data pool, and two ERP solutions secure B2B payments integrations. Bloomberg To Incorporate Credit Risk Data. The release stated firms have more often been looking for data to validate their own internal counterparty and credit risk assessment.

Credit Risk 88

Credit Risk B2B Accounts Payable B2C 88

PYMNTS

APRIL 7, 2017

If a business doesn’t have the robustness in terms of data sets, the data scientists needed to analyze that data or even the technology infrastructure to run analytics properly and perform real-time decisioning in house, then they may be better off leveraging the scale of a platform that does. The “Buy Vs. Build” Decision.

Credit Risk 49

Credit Risk Math Leverage Startups 49

PYMNTS

NOVEMBER 22, 2019

The gap can be explained by the fact that private firms have been able to take on debt, and at higher rates (due to higher risk) than has been seen with public firms. High leverage and riskier debt, amid trade and currency risks, makes for a dangerous mix. But eventually, leverage catches up with almost everyone.

Benchmarking 43

Benchmarking Restructuring Leverage Currencies 43

FPA Insider

MARCH 23, 2020

The disruption extends into the second quarter, affecting corporate profitability in select sectors, risking the emergence of corporate credit risks. China faces a renewed rise in new cases as it restarts production.

Profit and Loss 52

Profit and Loss Credit Risk Corporate Finance Planning 52

PYMNTS

FEBRUARY 9, 2017

Our foundation is built on leveraging data science and machine learning to provide a better mechanism for evaluating risk with SMBs,” he said. Trends like greater demand for mobility and new technologies to mitigate credit risk are always welcome from the company, the executive said.

Invoicing 46

Invoicing Leverage Finance Credit Risk 46

PYMNTS

APRIL 19, 2019

The data collected about those drivers during their working hours in their vehicles — Grab knows driver accident rates, for instance — helps the platform operator determine who might make a good credit risk, and how much working capital can be extended to them. Mehrotra didn’t rule that out, but he didn’t offer many specifics, either.

Credit Risk 78

Credit Risk Transportation Leverage Technology 78

PYMNTS

DECEMBER 29, 2016

After operating 11 brands in six countries, DeCosmo leveraged the data and analytics to launch Enova Decisions in 2015 and provide clients with custom, real-time analytics services that improve credit risk, fraud protection, operations and marketing. The Chicago-based business falls under Enova International, Inc.,

Education 40

Education Credit Risk Leverage Sales 40

PYMNTS

OCTOBER 9, 2018

However, to get down to his concerns, the analyst said — per news reports such as CNBC — that the recently debuted “Square Installments” (which, as the name implies, offers payment plans) may expose the company in a way that makes it vulnerable to credit markets.

Credit Risk 64

Credit Risk Forecasting Numbers Leverage 64

PYMNTS

JULY 26, 2017

Treasury’s Office of the Comptroller of the Currency found that underwriting standards have eased thanks to an increased appetite for credit risk, increased competition and an overall perception of improved economic circumstances. Commercial real estate (CRE) loans, however, continued to strengthen. Amid these fluctuations, the U.S.

Banking 46

Banking Compliance Currencies Concentration 46

PYMNTS

AUGUST 8, 2017

The FinTech Credit Fund will initially focus on projects within the CIS (former Soviet Union) and European markets, splitting its focus between firms taking on consumer and small business lending.

Finance 42

Finance Leverage Credit Risk Marketing 42

PYMNTS

FEBRUARY 7, 2020

Loans were primarily issued to SMB merchants that sell on the site, and bank partnerships were leveraged in some foreign markets.

eCommerce 52

eCommerce Benchmarking Restructuring Credit Risk 52

PYMNTS

SEPTEMBER 26, 2019

The future, and what Brighterion has focused its development on, Jha said, is building and leveraging AI solutions that can respond dynamically to risk factors as they unfold, without necessarily inserting a host of additional stumble steps that slow down the customer’s front-end security.

Risk Management 63

Risk Management Compliance Credit Risk Securities 63

PYMNTS

MAY 10, 2016

With very little credit risk actually at play, Ayers explained that the bank’s evaluation on offering standard traditional financial tools should really be based on the legitimacy of the identity being presented. “You Most importantly, he said that the consideration for an individual’s access shouldn’t be focused on creditworthiness.

Leverage 42

Leverage Banking Credit Risk Accounting 42

Barry Ritholtz

MARCH 5, 2024

But in our experience, we’re seeing them efficiently transfer the credit risk of assets, but keeping the customer relationship, it’s a very important distinction. Either you have the asset and the credit risk, I would imagine. This is the product that, that allows them to transfer credit risk.

Mergers and Acquisitions (M&A) 55

Mergers and Acquisitions (M&A) Credit Risk Investments Banking 55

PYMNTS

OCTOBER 12, 2018

Bill Pay Exchange leverages Mastercard’s network of 135,000 billers and the real-time payment capabilities of Vocalink and The Clearing House (TCH) – and users get instant confirmation. Wall Street also is raising concerns over credit risk as the firm branches out into consumer-facing installment loans.

Advertising 42

Advertising Credit Risk Startups Budgeting 42

PYMNTS

SEPTEMBER 27, 2019

And if you ask why aren’t Apple or Google or Amazon or Samsung offering faster payments , it’s because they have the leverage in the market not to have to,” Reinsch said. They are a very low credit risk — if a developer has an invoice from them, Qwil can be confident it is going to get paid.

Invoicing 65

Invoicing Advertising Credit Risk Finance 65

PYMNTS

NOVEMBER 9, 2016

Doing that meant that Circle had to build out an AI-powered risk engine that allows it to make 90 percent of its risk and compliance decisions with machines rather than relying on compliance people. This allows Circle to take on the credit risk of transactions to make money move instantly.

Currencies 75

Currencies Compliance Communication Credit Risk 75

Future CFO

JANUARY 12, 2021

Working capital and cash flow optimisation With uncertain times ahead, CFOs today must monitor the impact of price volatility, foreign exchange fluctuations, and interest rate changes, and be able to rapidly revise financial asset positions and protect against increased credit risks.

Foreign Exchange 40

Foreign Exchange CFO Compliance Reconciliations 40

Barry Ritholtz

FEBRUARY 13, 2023

You know, people are comfortable, leverage builds. But there are so many tools at your disposal, and let alone how much duration you’re taking, how much interest, how much credit risk you’re taking, illiquidity, et cetera. You know, the leverage in the system builds. What’s that process like?

Mergers and Acquisitions (M&A) 55

Mergers and Acquisitions (M&A) Investments Marketing Education 55

Barry Ritholtz

SEPTEMBER 12, 2022

And so, with this gave me exposure to everything from investment banking to retail, looking at like checking account campaigns, like how do you get more assets in the door to credit risk. RITHOLTZ: … which people tend to ignore when things are pretty — let’s say, in 2007, a lot of people aren’t thinking about counterparty risk.

Investments 112

Investments Marketing Profit and Loss Banking 112

Barry Ritholtz

SEPTEMBER 26, 2023

And I think a lot of investors and, and lenders and really lost their way and agreed to terms and conditions that in under today’s market environment would not be acceptable levels of leverage that would not work. And, and as a result, there is a, a condition where there’s risks and opportunities in the current market.

Investments 52

Investments Economics Banking Construction 52

Barry Ritholtz

MARCH 12, 2024

And up until that moment in time, we didn’t spend a lot of time on credit risk in mortgages. We didn’t really have to model credit risk because that was, that risk was taken by the agencies. But in these private labels, you had the, the market was taking the credit risk.

Profit and Loss 55

Profit and Loss Investments Marketing Securities 55

Barry Ritholtz

APRIL 4, 2023

So obviously, risk managers, you know, and CROs were very focused on how do we manage that risk and diversify that credit risk that they were taking on in mid-market companies. Because you can’t lever it, you can’t lend it six times leverage today when the rates are 11 percent versus 6, right?

Mergers and Acquisitions (M&A) 55

Mergers and Acquisitions (M&A) Finance Investments Banking 55