There's also a customer cost. More data often means more friction: extra verification steps, repeated identity checks, longer ...

CRTs have changed since the financial crisis. But the eventual credit cycle turn is likely to show again that weaker banks' CRT use merely transformed, but did not eliminate, risk, writes Jill Cetina.

Artem Lalaiants is the Founder and CEO of RiskSeal with 10+ years in fintech and deep expertise in alternative credit risk scoring. In digital lending, the first risk decision isn’t about ...