Facebook and Payments

By Jeff Fread on Monday, July 18th, 2016 in FinTech.

With all of the new mobile payment options hitting the market can Facebook disrupt things even more?


New FICO Score

By Jeff Fread on Wednesday, June 15th, 2016 in Risk Management.

FICO has acquired start-up QuadMetrics and plans to leverage its “predictive analytics and security-risk assessment tools to develop an industry-wide ‘enterprise security score’ for businesses” according to the Wall Street Journal. A single score could be used both internally to assess a company’s risk as well as externally to measure the risk of its vendors. […]


Time to Make Lemonade From the Lemons of PayDay Lending
Marketing multiple products or speaking to multiple segments?
Locked door

3 Alternatives to Payday Loans

By Jeff Fread on Friday, June 3rd, 2016 in Payday Lending, Regulation.

No traditional short-term loan will offer value to consumers and a balance of risk and returns for banks. Payday loans popped up due to a lack of easy to access options for low-income, (traditionally) high-risk consumers. With all of the furor following the CFPB’s proposed new rules on payday (short-term, very high-rate loans) lenders it’s […]


Options for Payday Loans
Looking Down Into A Chasm