Resources

 As the world continues to undergo a rapid digital transformation, e-commerce has become an indispensable aspect of our daily lives. 

 You’re tuning in and syncing up with The Lending Link, GDS Link’s brand-new industry podcast designed for the modern-day lender.

Taking a Deeper Dive into the Future of Data, Decisioning and Credit Risk Solutions GDS Link is delighted to announce their new podcast, The Lending Link, is launching in September.

Banks, credit unions, and alternative lenders are increasingly inundated with loan applications for a variety of purposes that range from home mortgages to business lines of credit. In 2020 alone, financial institutions reported over 22.7 million home loan applications under the Home Mortgage Disclosure Act.

Lending has evolved significantly over the last several decades. Financial institutions have come a long way since 1974, when banks controlled the lending industry, holding 62% of the total loans, compared to 2020, when non-banks issued 68% of all mortgages in the U.S.

FinTech Lead Generation & Lending The fintech market comprises a variety of industry segments including alternative lending and financing, digital investments and payments, and neobanking. The rising interest in investments among the public and the need for loans and insurance are the fundamental forces behind this immense growth surrounding the fintech lending explosion. These organizations…

Automated Credit & Loan Decisioning Many financial institutions receive thousands of applications daily, depending on their size and the economy’s current health. A lending staff is responsible for processing these loan applications to determine who qualifies as a potentially good candidate. A loan application includes various personal finance information that reflects the creditworthiness and credit…

Risk Management Analytics In Banking Like any business, banks are typically concerned with improving their bottom line. The long-term success of banking institutions often relies on their ability to make sound financial decisions with the best information available. In addition, it’s equally important for banks to find ways to limit their risk exposure wherever possible…

Impact of Inflation on Credit Risk The global surge in inflation, caused by an unprecedented demand for certain goods, supply-chain disruptions, fiscal policies, warring nations, and other factors, is affecting businesses and individuals worldwide — including banks and other financial institutions. High inflation rates significantly impact lending and can cause both positive and negative outcomes…

Risk-Based Lending Credit risk management is how lending institutions protect themselves from the ever-present risks of late payments and defaulted loans. Over the past few years, lending programs have shifted their focus to new opportunities and resources that can help boost their performance, lower their risk profile, and enhance their decision-making when serving their customers.…

This has become a common question aimed in my direction over the last couple of decades from family, friends, customers, banks, processors, merchants, clients, trade bodies, regulators, law enforcement, and the media as each has sought to determine whether a certain action, engagement, or experience would constitute a criminal offence. Many are expecting a binary…

Challenges & Risks In FinTech The banking industry used to be a synonym for trust, responsibility and security. They are the people, after all, that look after our finances and allow us to prudently enhance, and safely access, our wealth. Bank staff were historically considered to be individuals of the highest integrity; professional pillars of…