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What are the 5 Cs of Credit and Why you Should Know Them

Insights, Published June 18, 2024

What is credit data analysis and why is it important?

Insights, Published June 11, 2024
Credit data analysis assesses borrower data to determine their creditworthiness. It aids lenders in optimizing loan decisions, reducing default risks, and increasing profitability. Techniques include credit scoring, credit report analysis, income verification, and alternative data analysis. Credit information management involves collecting, storing, and utilizing credit data to support lending decisions and monitor borrower performance. Credit scoring models predict default probabilities using various data points. By analyzing credit data, lenders can make informed decisions, identify potential borrowers, and mitigate fraud risks.

Unlocking Value in Fintech: Consumer-Permissioned Data & Open Finance

Insights, Published June 6, 2024
In the rapidly evolving financial technology (fintech) landscape, open finance has emerged as a game-changer, empowering consumers with unprecedented control over their financial data and enabling a new era of personalized and innovative financial services. At the heart of open finance lies consumer-permissioned data, which plays a crucial role in unlocking its transformative potential.

Best Credit Data Solutions Providers in the Philippines

Insights, Published June 6, 2024
In the Philippines, access to credit is vital. Traditional credit scoring often relies on limited data, leading to inaccurate assessments. Credit data solutions address this by providing a more comprehensive view of creditworthiness. Leading providers like Smile API, CIC, TransUnion, CRIF and CIBI utilize traditional and alternative data sources and advanced analytics to enhance credit assessments, increase financial inclusion, reduce risk, and improve the customer experience. These solutions play a crucial role in the Philippines, empowering lenders to make more informed decisions and improve portfolio performance.

Explore Top Filipino Vendors for Alternative Credit Data Solutions

Insights, Published June 3, 2024
The top Philippine vendors for alternative credit data

A Guide to Philippine Pre-Employment Background Checks

Insights, Published April 28, 2024

Obtaining NBI Clearance for Job Applications

Insights, Published April 10, 2024

Revolutionize Credit Scoring: Employment History and Income as Non-traditional Factors

Insights, Published April 8, 2024
Explore how income and employent data can be used for credit scoring

Transforming Financial Services by Digitizing Employment and Income Verification

Insights, Published April 6, 2024

What is a Credit Score and How to Get Yours in the Philippines

Insights, Published April 4, 2024
In the Philippines, getting a credit score is easy and quick. Once you know what to do, you can access your credit score in no time!

Lending Companies, How Do We Adapt?

Insights, Published October 23, 2023
Economic uncertainty will always be a risk factor for many lending companies and banks. With Smile API, companies can verify this information and more through a centralized, real-time data source, all with the borrowers' consent.

Transforming HR Processes through Technology in the Philippines

Insights, Published August 16, 2023
Smile’s insights on this paper offer a comprehensive overview of the power of technology in HR.
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