Insights | PayNet

All
Technology
Digital Lending
FinTech
Economy
Lending
Small Business
IFRS9
white paper
Credit Score
Credit

Digital Disruption and Why Lenders Should Care About Brand

Every business leader faces the challenge of communicating brand in a way that's relevant to customers and prospects. Historically, business strategies put more emphasis on marketing products - but as technology continues to advance - new solutions are emerging and creating an overcrowded, hard-to-differentiate marketplace.

Time is Running Out for IFRS 9 – Are You Ready?

You can't outrun bad credit! – is a well-known saying among veterans of the equipment finance industry. As a result, some veterans treat rising credit risk like a coal miner reacts to gas leaks. But not all lenders are run by seasoned veterans...

What is the Impact of Repossessions on a Borrower's Credit Score?

A PayNet client operating in the US and Canada asked about the impact of repossessions of a single or several trucks on a large borrower’s credit profile.

What is the Credit Quality of Marketplace (Alternative) Lenders?

Marketplace refers to a broad category of companies providing capital to businesses and consumers at a lower cost than traditional channels using a combination of technology, data, analytics, and traditional credit systems. The Marketplace lending model is generally high risk with high return.

Case Study: Business Banking Loan Portfolio Growth

This case study describes a regional bank's experience using PayNet AbsolutePD and PayNet's Small Business Indices to organically grow its portfolio.

Uberization: Just a Good Idea or a Transformational Business Strategy?

Digital disruption is here. In an era in which consumers demand instant gratification – usually via their mobile devices...

Q&A: Taking a Cue from FinTechs Can Help Solve the Capital Access Dilemma

There’s no doubt that private businesses have a profound effect on the economy. With over 28 million private businesses that account for at least half of...

Utilizing Technology to Capitalize on Rising Commercial & Industrial Lending Opportunities

The U.S. is undoubtedly experiencing economic growth – with the GDP rising 3% over two of the last three quarters.

Closing the Growing Private Business Credit Gap

While the U.S. economy has shown its recovery from the Great Recession in most ways, small business lending isn’t one of them.

Lessons from Testifying Before Congress

All eyes were on Mark Zuckerberg as he testified before Congress. As I watched, I was reminded of my own experiences testifying before Congress.

Banking and Finance Industry Insights