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In a previous blog on whether "credits are not too commoditized" we shared some thoughts on how banks can differentiate more based on offered credit services rather than just interest rate. ...
In our last blog we introduced a number of ways how banks can activate the ever increasing amounts of saving deposits, by turning them into investments. However once customers have taken the decision ...
With skyrocketing savings all over the world, an economic crisis is difficult to avoid as consumption drops and investments are generally postponed. While at first sight these unused savings seem to b...
Financial services companies offering credits need to assess the risk they are taking when accepting a credit. This mainly consists of determining the probability that the borrower will not repay the ...
While credit origination is considered as a very customer-centric process, the credit servicing part that comes afterwards is usually considered as a purely operational, back-end process. However, sub...
While consumer credits are becoming more automated and user-friendly to request, all other credits are often still very manual and labor intensive to originate. In this (relatively long) blog I will t...
The impact of the current crisis on counterparty risk models One could argue, that in a similar way that social distancing can limit the epidemic spread in the current health crisis, applying correct ...
Recent surveys indicate that the biggest aspiration of millennials today is not to buy a house or to get married, but to become debt-free (e.g. Business Insider, New York Life, ...). In the US and UK...
Amid the Corona crisis, governments worldwide are urgently deciding on numerous actions to limit the economic impact of this unprecedented health crisis. Top priority in these plans is to help people ...
Since 1 July 2007, the Belgian electricity market has been liberalized. While in the first years, only few consumers switched electricity provider, this has reached a new high this year. Incumbent pro...
After the late-2000s (2007-2008) banking crisis, trust of consumers in the banking sector reached an all-time low. While bankers were perceived as a trusted and respected personal advisor a few decade...