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Better credit risk evaluation: How one lender improved its model by 50 percent

By Kevin Sheetz

Much of the public views consumer credit modeling and credit scores as tools to help

One data source takes on two challenges: Customer targeting and income verification

By Kevin Sheetz

For lenders, finding people and businesses asking to borrow money isn’t much of a challenge.

How to find and vet one of the trickiest customers: Microbusinesses

By Kevin Sheetz

Microbusinesses are a diverse bunch. They range from cake decorators to nano-breweries, with a few

Forget Silicon Valley startups. The healthiest small businesses are in Olean, New York.

By Kevin Sheetz

At a glance, Olean, New York seems likes a familiar story. For decades, it has

The secret to improving insurance retention

By Kevin Sheetz

For insurance companies, finding new customers is expensive. By some estimates, advertising and commissions can

What most businesses get wrong about market segmentation

By Kevin Sheetz

Market segmentation is one of the truly powerful tools to come out of the big

Turkeys don’t fly themselves to the grocery store: Everything you wanted to know about the business of Thanksgiving

By Kevin Sheetz

When we give thanks at Thanksgiving, we don’t mention money. Friends, family, our homes, and

For Middle Class, Student Loan Debt a Powerful Economic Indicator

By Kevin Sheetz

Americans owed nearly $1.2 trillion in student loan debt as of March 2015. That’s trillion