PYMNTS

DECEMBER 2, 2020

This will not only help retail items be more accessible to more consumers but could help merchants bounce back from what may have been a rocky year in sales due to the pandemic. Nearly 20 percent of shoppers ages 22 to 30 lack credit histories that are robust enough to grant them credit card approval, for example.

Sales 77

Sales Retail Budgeting Leverage 77

PYMNTS

FEBRUARY 3, 2020

Consumer loans are also processed through Goldman’s retail banking arm, Marcus. Loans were primarily issued to SMB merchants that sell on the site, and bank partnerships were leveraged in some foreign markets. Of Goldman’s $7 billion in consumer loans and card balances in 2019, card lending accounted for “a significant portion.”

Credit Risk 52

Credit Risk Leverage Banking eCommerce 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

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

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. Cyber threats are increasing in speed and sophistication,” the OCC stated.

Banking 46

Banking Compliance Currencies Concentration 46

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. Amazon is easily less than halfway through transforming retail by exploiting deep fulfillment moats established over many years,” said Canaccord Genuity Analyst Michael Graham.

eCommerce 52

eCommerce Benchmarking Restructuring Credit Risk 52

PYMNTS

SEPTEMBER 26, 2019

And that AI’s potential, wherever it is applied, is going beyond the constraints of the systems and tools of the past — to a future that manages to both have fewer risks and create less friction for the consumer. But when talking about risk and risk management in the payments game, Webster and Jha noted, the picture is actually a lot wider.

Risk Management 63

Risk Management Compliance Credit Risk Securities 63