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A three-stage plan combining data analysis, public disclosure and market-based regulatory intervention would better align financial services with what consumers really need.September 2
Senior FellowColumbia University -
Many banks buy modeling tools from vendors to help detect new areas of risk, fraud and profitability without realizing their existing systems are capable of doing the same.August 11
Head of Model Risk ManagementRegions Bank
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Congress should pass legislation authorizing use of nontraditional data sources to make credit more available to consumers who’ve taken a hit from the coronavirus pandemic.May 19
Chief Legal OfficerRemitter USA and meldCX
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Credit unions use data to help sell products and manage risk but executives must now look at their modeling differently in light of COVID-19.May 15
Solution sales consultantAdvantEdge Analytics
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The Comptroller's Office has provided banks with guidance on how to structure relationships with data aggregators. Now the bureau needs to focus on the bank-consumer connection.March 16
Head of PolicyPlaid
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Attempts to rewrite the method for determining unintended discrimination in housing should not bleed into fair-lending laws.March 4
Executive DirectorMarketplace Lending Association
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Testing shows an overreliance on machine learning data can unfairly harm credit scores.December 12
Vice President of Scores and Predictive AnalyticsFICO
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A thorough process for approving experiments with artificial intelligence, clear philosophical principles and diverse human involvement are some of the ways BofA says it's working to ensure AI does no harm.October 8
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The bank has developed APIs to feed customer data directly to seven fintechs and data aggregators, including MX and Finicity.September 24
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Growers Edge is adapting retail financial technology to compete with traditional banks in ag lending and crop insurance.August 8
