PYMNTS

JULY 8, 2020

AI Also Helps Manage Credit Risk. For instance, Mastercard has been using AI to help its banking partners with credit risk management, aiming to provide the right amount of credit to customers — and the smartest collections efforts — in today’s uncertain economic climate.

Credit Risk 109

Credit Risk Risk Management Securities Economics 109

PYMNTS

DECEMBER 10, 2020

And in banking, financial institutions can incorporate artificial intelligence into their consumer credit strategies at a time when a retroactive approach to credit risk management has become less feasible amid COVID-19. 12 : Number of months in advance AI systems can detect potentially fraudulent activity.

Credit Risk 102

Credit Risk Risk Management eCommerce Banking 102

PYMNTS

NOVEMBER 10, 2020

Those are the kind of numbers that explain why Zest received a $15 million investment last week from software developer Insight Partners. “On average, our customers will see a 20 percent lift in approvals and a 30 percent reduction in charge-offs just by deploying better math,” de Vere said. 15M In New Funding .

Credit Risk 138

Credit Risk Math Compliance Banking 138

Trade Credit & Liquidity Management

JUNE 25, 2025

In this data-driven economy, risk assessment demands more than simply evaluating whether a customer will pay their bills. To truly understand and manage credit risk today, modern companies must look beyond the basics and leverage new technologies, alternative data, and broader information sources.

Compliance 52

Compliance Credit Risk Leverage Risk Management 52

CSC Advisors

JUNE 25, 2025

Whether you’re applying for a loan , managing vendor relationships, or simply trying to build a stronger financial future, understanding how to read and utilize your business credit report is essential. Ready to understand what your numbers are telling you? Consistent, on-time payments boost your credit; late payments hurt it.

Finance 52

Finance Credit Risk Numbers Securities 52

PYMNTS

AUGUST 3, 2017

New data from insolvency firm Begbies Traynor may set off alarm bells: The number of U.K. A report released from the company this week found a 25 percent year-over-year increase in the number of companies categorized as being in significant financial distress in Q2, the largest yearly increase the firm has seen in three years, it said.

Numbers 46

Numbers Construction Profit and Loss Credit Risk 46

CFO Share

JUNE 6, 2024

Some common market risks include: Interest rate risk Foreign exchange risk Raw materials cost risk (copper, steel, etc.) Credit Risks Credit risk arises when customers or partners fail to meet their financial obligations.

Risk Management 105

Risk Management CFO Foreign Exchange Credit Risk 105

PYMNTS

NOVEMBER 7, 2018

With the rules, regulators are requiring Swiss banks to “[assign] a flat risk weight of 800 percent to cover market and credit risks, regardless of whether the positions are held in the banking or trading book.” In addition, only 210 of the watches will be made, as only 21 million bitcoins will come to fruition.

Banking 77

Banking Currencies Credit Risk Numbers 77

PYMNTS

DECEMBER 13, 2016

The issues that have kept millennials out of the mortgage market tend to fall into three categories: lack of sufficient credit, lack of sufficient funds for a down payment or lack of a sufficiently long employment record to get lenders comfortable with them as a credit risk.

Credit Risk 84

Credit Risk Banking Marketing Economics 84

PYMNTS

SEPTEMBER 15, 2016

The common perception has been that a “thin file or no file means poor credit risk or subprime, when, in fact, it just means ‘no file,’” said Meloche. The common perception has been that a “thin file or no file means poor credit risk or subprime, when, in fact, it just means ‘no file,’” said Meloche.

Credit Risk 76

Credit Risk Nonprofit Banking Numbers 76

PYMNTS

APRIL 2, 2020

This episode underscores that data for targeted customer offerings can come from anywhere and is not necessarily the result of meticulous number crunching. When number crunching is needed, however, data analytics can help. “If the husband buys a truck, the wife’s going to want a new Volvo.”. Data Analytics Behind the Scenes.

Banking 94

Banking Risk Management Credit Risk Advertising 94

PYMNTS

NOVEMBER 22, 2020

Credit Key offers businesses an alternative payment solution intended to give financing for purchases at the point of sale. The company takes on the credit risk and loan servicing, offering buyers a "transparent" experience with competitive interest rates, the report writes. The booming B2B market in the U.S. While only $1.3

B2B 72

B2B B2C Credit Risk eCommerce 72

PYMNTS

DECEMBER 1, 2020

The tie-up is an extension of a current relationship that will have Satago’s offering smoothly linked with Sage Accounting, which will offer clients automated invoice chasing, invoice finance and credit risk analysis in a single system.

Risk Analysis 68

Risk Analysis Invoicing Credit Risk Cash Management 68

PYMNTS

OCTOBER 18, 2020

Buxton previously worked for cloud application monitoring platform Datadog as VP of finance, where he led the company to a $9 billion valuation and a current market capitalization of upwards of $25 billion, with the number of employees growing from 100 to 2,000 during his tenure, the release says.

Finance 64

Finance CFO Reconciliations Credit Risk 64

Future CFO

AUGUST 27, 2023

Businesses face a tremendous number of uncertainties. It is a tall ask, considering that today’s macroeconomic risks can come from unexpected directions. "I Moody’s, he noted, is well known for its counterparty credit risk analysis. And this list is only getting longer daily, with many uncertainties remaining persistent.

Risk Management 98

Risk Management Credit Risk Finance Risk Analysis 98

PYMNTS

FEBRUARY 27, 2019

He also noted the structural changes at the company, which included the development of a cyber audit framework, and the hiring of 1,000 full-time risk and IT professionals to its workforce in 2018. billion in efforts tied to technology.

Credit Risk 63

Credit Risk Auditing Numbers Technology 63

CFO News Room

JANUARY 21, 2023

Inflation numbers have been coming in high now, for more than a year, but for much of the early part of 2021, bankers, investors and politicians seemed to be either in denial or casually dismissive of its potential for damage. 1.01)-1).

Treasury 130

Treasury Currencies Numbers Marketing 130

Barry Ritholtz

JANUARY 15, 2025

Ted Seides : Well, similarly, private credit, think about a bond portfolio with credit risk and a little bit of illiquidity. Hedge funds generally have either bond-like or stock-like characteristics with less risk. Ted Seides : It’s changing a lot to move to smaller numbers. Those are big numbers.

Investments 59

Investments Credit Risk Marketing Budgeting 59

PYMNTS

JULY 1, 2016

What happens when a good credit risk goes bad? Think of management changes (or ousters), location changes, and even changes to telephone numbers – enough of these can add up to signal a business that is in flux, and is becoming, in fact, unstable or transient.

Credit Risk 40

Credit Risk B2B Communication Numbers 40

PYMNTS

DECEMBER 19, 2016

Instead, I’d like to get you thinking about the implications for payments, commerce and retail for a generation of 70 million that may be strong in number but weak in spending power. Besides that, they’re the ideal credit risk and perfect target to stake the future of FinTech, payments and retail. MORE QUESTIONS THAN ANSWERS.

Advertising 88

Advertising Credit Risk Retail Banking 88

Future CFO

JULY 8, 2021

“The problem with that approach is that it misses the risk of customers who are financially able to pay but still do not,” she noted. But it’s not an impossible task for finance leaders, and the benefits to understanding their company’s cash flow can be considerable,” she said.

Credit Risk 52

Credit Risk Finance Numbers Investments 52

PYMNTS

FEBRUARY 26, 2019

Thin-file credit applicants could go through a fairly painstaking process to build credit with low-value cards, but that wasn’t a good answer for him. To date, Aire has aided in the underwriting of $10 billion of credit across various consumer credit categories.

Credit Risk 61

Credit Risk Financial Data Advertising Finance 61

PYMNTS

DECEMBER 23, 2019

Starting with one or two pieces of real information (a Social Security number is always one of them, sometimes paired with a real name), fraudsters take their time to slowly nurture a fake credit profile until it has a good enough record to make a big strike.

Numbers 52

Numbers Securities Credit Risk Accounting 52

PYMNTS

NOVEMBER 26, 2019

In fact, Srinivasan added, the parameters of risk itself are changing. He noted that, with real-time payments , credit risk is largely negated, as transactions require immediate posting of debits and confirmation of sufficient funds — and it can be immediately ascertained whether or not user accounts are in good standing.

Education 61

Education Securities Credit Risk Construction 61

Future CFO

MARCH 20, 2023

DSO as an accounting metric measures the average number of days a businesses receives payment for goods and services purchased on credit, while DIO is a working capital management ratio that measures the average number of days a company holds inventory before it’s turned into sales.

Credit Risk 52

Credit Risk Transportation Invoicing Economics 52

Musings on Markets

JANUARY 27, 2022

Inflation numbers have been coming in high now, for more than a year, but for much of the early part of 2021, bankers, investors and politicians seemed to be either in denial or casually dismissive of its potential for damage. 1.01)-1).

Treasury 99

Treasury Currencies Numbers Investments 99

PWC UK

OCTOBER 26, 2021

It will prepare its own estimate, but will ask EU and TC CCPs, as well as a number of market participants, for their estimations. 3 - Other, i.e. general consequences of non-recognition for EU market participants.

Credit Risk 52

Credit Risk Concentration Banking Marketing 52

Trade Credit & Liquidity Management

MAY 8, 2025

Missing firmographic data: Without standardized legal names, D-U-N-S numbers, industry codes, or parent/child relationships, it’s hard to manage credit exposure or report by customer segment. Fraud risk: Lack of verification opens the door to fraud. Inconsistent data entry: Formatting mismatches (e.g., "St"

Finance 72

Finance Invoicing Auditing Cash Flow Forecasting 72

PYMNTS

JUNE 26, 2018

“Our partnership with the AICPA will enable the SBA Office of the National Ombudsman to further expand our reach to, and impact upon, an even greater number of CPAs who could benefit from our assistance,” added SBA Deputy National Ombudsman Mina Wales. The SBA and AICPA have been working together since 2008, the entities noted.

Accounting 40

Accounting Compliance Credit Risk Auditing 40

PYMNTS

JUNE 17, 2020

That tactic — cutting corners and pennies — shows a glaring disconnect in risk management, according to Taylor. He said banks pay a lot of attention to financial risk, spanning liquidity risk, credit risk and overall exposure to different markets. Looking Ahead. They’ve also found cryptos a good place to hide.

Banking 75

Banking Compliance Risk Management Credit Risk 75

PYMNTS

DECEMBER 2, 2020

The tie-up is an extension of a current relationship that will have Satago’s offering smoothly linked with Sage Accounting, which will offer clients automated invoice chasing, invoice finance and credit risk analysis in a single system. Germany's Aareal Bank Group Rolls Out B2B Payment Platform.

Cash Management 57

Cash Management B2B Foreign Exchange Banking 57

PYMNTS

JANUARY 25, 2019

Consumers are used to having any number of payment options on offer when they’re ready to push a buy button onscreen, at any time of day. For those firms seeking access to credit, lenders will often start with the SMB principal’s FICO score or tax returns from the past few years, which can be an inefficient barometer of credit risk.

B2B 63

B2B B2C Credit Risk eCommerce 63

Future CFO

APRIL 27, 2020

The Asian Liquidity Stress Indicator (ALSI) climbed to its second weakest level, and the number of companies rated B3 and below continued to increase in the first quarter of 2020 following a surge of downgrades in Q1, said Moody's Investors Service. . The ALSI climbed to 38.7% in March from 32.9%

Concentration 40

Concentration Credit Risk Economics Numbers 40

PYMNTS

MAY 4, 2018

have brought attention to the nation’s plight against late supplier payments, but a new report from Euler Hermes warns this is a global issue — one that is worsening and raising the insolvency risk. Regulators and analysts in the U.K.

Invoicing 43

Invoicing Credit Risk Sales Finance 43

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. Despite Venmo’s lead in the U.S.

Currencies 75

Currencies Compliance Communication Credit Risk 75

PYMNTS

MAY 13, 2019

So, the government rationed gas to consumers by imposing an odd/even license plate numbering system that determined when consumers could go to gas stations to buy it. Since capping prices also limited their ability to make more sales to cover their operating costs, they capped the number of hours a day they were open.

Credit Risk 78

Credit Risk Banking Sales Finance 78

PYMNTS

MAY 17, 2017

Only about half of small businesses, he said, have a credit profile or have a credit report on that business, with half of those, in turn, he noted, classified as “thin file” reports. In other words, there exists information on transactions that have been successfully hurdled to start operations, yet are not related to credit.

Credit Risk 40

Credit Risk Risk Management Accounting Numbers 40