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The Rise and Challenges of Cash Flow Underwriting in FinTech

Cash flow underwriting is making waves in the industry, offering a fresh, more accurate way to assess borrowers’ financial health. This method analyzes real-time financial data, moving beyond the limitations of traditional credit reports.

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Better Customer Service Makes Credit Unions More Appealing

Some reports are also finding that customers are not only turning to credit unions for their lower rates and fees, but are also discovering better customer service, suggesting this "trend" may be here to stay.
Credit Unions
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A Facebook app for credit unions brings loans to the social media generation

As banks and credit unions get the hang of using social media to connect with their customers, or potential customers, one software company has created the first mortgage calculator application for Facebook to help credit unions reach more people and originate more loans.
Credit Unions
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Rising delinquency rates challenge mortgage lenders’ ability to avoid risk

A number of studies have shown that September, a month typically known to experience increased delinquency rates, had the highest monthly increase in mortgage delinquency rates since 2008.
Bank Transaction Data
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Better service a high priority for banking customers

Some customers may think quality service is inherent, and shouldn't come at an extra price. Even so, many bank customers are so frustrated that they say they would actually be willing to shell out extra money if it meant a higher level of service.
Bank Transaction Data
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Widespread acceptance of strategic defaults a risk to lenders

Research firm JZ Analytics polled 1,026 Americans online in September, finding that 32 percent of consumers believe strategic defaults should be a more widely accepted way for homeowners to deal with their mortgage debt.
Credit Risk Management
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African Bank deploys GDS Link’s DataView360

 GDS Link’s DataView360™ African Bank, South Africa’s largest micro-lender, has licensed GDS Link’s DataView360™ to manage its current and future risk management requirements.
Bank Transaction Data
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