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 …
