Alternative Financial Services

Bitcoin’s One-Stop Pawn Shops
Bitcoin’s One-Stop Pawn Shops
November 14, 2018  |  Alternative Finances

On November 14th 2017, the price of bitcoin was a little over $6,500 — a bit more than it is today at $6,300. It might be...

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Why Digital Lenders Are Tightening Their Lending Criteria
Why Digital Lenders Are Tightening Their Lending Criteria
June 12, 2018  |  Alternative Finances

In the early days of online lending, the big appeal was access to funds for potential borrowers with few, if any, options for securing capital....

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A Whole New Regulatory World For Community Banking
A Whole New Regulatory World For Community Banking
June 05, 2018  |  Bank Regulation

From the beginning, Dodd-Frank has drawn the criticism that instead of doing what it was supposed to and targeting banks that were too big to fail,...

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Can Alternative Data Move The Dial For Financial Inclusion?
Can Alternative Data Move The Dial For Financial Inclusion?
May 29, 2018  |  Alternative Finances

In the early 1950s, an engineer named William Fair encountered a mathematician Earl Isaac who together decided to work out an automated credit scoring system...

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Finding A Better Credit Fix For Near-Prime Customers
Finding A Better Credit Fix For Near-Prime Customers
May 15, 2018  |  Alternative Finances

Fair Square Financial entered the financial services world a few years ago with two observations about why the world needed another non-bank lender. The first being that...

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Why Marketplace Lending Needs Less Transparency, Not More
Why Marketplace Lending Needs Less Transparency, Not More
April 24, 2018  |  Alternative Finances

Marketplace lending platforms — Lending Club, OnDeck, Prosper and the like — have inarguably and fundamentally altered the geography of the lending landscape.  In the...

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How The Lending Landscape Is Quietly Changing
How The Lending Landscape Is Quietly Changing
April 17, 2018  |  Alternative Finances

The financial crisis that rolled through the economic landscape a decade ago was — among many things — a financial reset button. Interest rates plummeted as the Fed held...

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Getting Consumers Across The Mobile Banking Gap
Getting Consumers Across The Mobile Banking Gap
April 10, 2018  |  Digital Banking

By the numbers, digital banking is — and is not — extremely popular with consumers of all stripes.  According to the latest edition of the PYMNTS...

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Building A Better Lending Model To Serve SMBs Who Served
Building A Better Lending Model To Serve SMBs Who Served
February 06, 2018  |  SMBs

According to the Small Business Administration, of the 28 million U.S. SMBs, roughly 2.5 million, or 9.1 percent, are owned by veterans of the United States Armed Forces. Those...

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