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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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The Rise of Consumer and Retail Fraud in England and Wales

A Call for Tech-Driven Defenses in Fraud Prevention   The latest figures from the Office for National Statistics (ONS) reveal a troubling trend: a 19% increase in consumer and retail fraud across England and Wales. As of 2024, the reported incidents have climbed to approximately 3.6 million, up from 3.3 million in the previous year.…
Fraud
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Originación de Créditos Digitales: Claves para Ofrecer Condiciones Competitivas con Gestión de Riesgos Inteligente

La originación de créditos digitales es un componente esencial en la estrategia de crecimiento de las instituciones financieras modernas. Clientes y empresas esperan experiencias de crédito rápidas, personalizadas y transparentes. Sin embargo, mantener el equilibrio entre condiciones atractivas y una gestión efectiva del riesgo sigue siendo un desafío. De acuerdo con McKinsey, el 80% de…
Analytics
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GDS Link at FTT Fintech Festival 2024: Redefining Risk and Lending Solutions in London

11th-12th November 2024 | The Brewery, London  As FTT Fintech Festival 2024 opens its doors in London this November, GDS Link will be on-site to explore the forefront of fintech innovation and risk management strategies with global peers. Our team—led by Kate Bullman, VP and Head of European Sales and Global Partnerships, Francisco Franch, Account…
Other Lenders
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Open Banking: El Futuro de las Finanzas en España y Latinoamérica

El mundo financiero está en constante evolución, y una de las tendencias más disruptivas de los últimos años ha sido la implementación del Open Banking. Esta iniciativa, que permite a los bancos y otras instituciones financieras compartir datos de clientes (con su consentimiento) con terceros a través de APIs, está redibujando el panorama financiero global.…
Open Banking
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What You Need to Know About Compliance Pitfalls in Lending: APR, TILA, and More

Lending compliance: two words that, together, conjure up endless stacks of regulations and a maze of calculations. Yet, for lenders, they represent something more vital—protections for both business and borrower. Navigating the ins and outs of compliance is a journey through the details of APR, the Truth in Lending Act (TILA), state-by-state laws, and complex…
Other Lenders
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How Peer-to-Peer Lending is Changing the Game

Benefits, drawbacks, and major players dominating the P2P lending market   What is Peer-to-Peer (P2P) Lending? Imagine a world where getting a loan doesn’t involve endless paperwork or bank red tape. Welcome to peer-to-peer (P2P) lending, an innovative form of lending that connects borrowers directly with individual investors, bypassing traditional financial institutions. This alternative financing…
Fintech News
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Meet GDS Link at Money 20/20: Transforming Credit Risk Management with Real-Time Solutions

GDS Link is set to attend Money 20/20 from October 27-30 in Las Vegas, Nevada, the premier event for innovators in the financial services space. As the spotlight shines on the latest trends in fintech, regtech, and everything in between, GDS Link is ready to engage with forward-thinking companies seeking to transform their credit risk management…
Fintech
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General Counsel and VP of Compliance at Carleton Discusses TILA, APR, and Navigating Lending Compliance

In this insightful episode of The Lending Link, Rich Alterman sits down with Sarah Way Milovich, General Counsel and VP of Compliance at Carleton, Inc., to explore the intricacies of lending compliance, with a particular focus on the Truth in Lending Act (TILA) and Annual Percentage Rate (APR) calculations. Carleton, a leader in financial software…
Fintech
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Gestión de datos en tiempo real: clave del éxito del Big Data en el sector financiero

En un mundo donde las instituciones financieras procesan millones de transacciones todos los días, la gestión eficiente de los datos en tiempo real se ha convertido en un elemento clave para el éxito. Estas operaciones generan enormes volúmenes de datos que provienen de diversas fuentes: cuentas de pérdidas y ganancias, inversiones, amortizaciones, niveles de liquidez…
Fraud
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GDS Link at Small Biz Banking 2024: Meet Us at Booth 303

GDS Link is excited to announce our participation in the Small Biz Banking event on October 9-10 in Las Vegas! With an emphasis on small business banking, this event offers a unique platform to explore innovative solutions tailored to empower banks and lenders.   Visit Booth 303 to meet our team and discover how GDS Link…
Bank Transaction Data
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El Futuro del Crédito y Pagos Digitales: Tendencias Fintech que Moldearán 2025

El sector fintech ha experimentado una transformación sin precedentes durante los últimos años, impulsada por la digitalización acelerada, la adopción de nuevas tecnologías y la respuesta a cambios regulatorios. A medida que nos acercamos a 2025, se anticipa que las fintech continuarán su expansión, tanto en América Latina como en España, moldeando el futuro de…
Credit Risk Management
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Desafíos de Evaluar el Riesgo Crediticio de Poblaciones Desatendidas

La inclusión financiera es un objetivo que ha ganado terreno en las agendas políticas y económicas globales, pero sigue presentando retos sustanciales, especialmente en regiones como África y Latinoamérica.   En estas y otras latitudes, una gran parte de la población sigue sin acceso a servicios bancarios formales, lo que deja a inmensos colectivos fuera del…
Credit Risk Management
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