Kristin Moyer

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Kristin R. Moyer
Research Director
11 years at Gartner
18 years IT industry

Kristin Moyer is a research director in Industry Advisory Services/Banking and Investment Services. She has more than 17 years of experience across the global high-technology industry in a variety of roles. Ms. Moyer's research coverage includes card… Read Full Bio

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Loan Portfolio Management – A Pattern-Based Strategy

by Kristin Moyer  |  October 21, 2009  |  3 Comments

Gartner has been writing about Pattern-Based Strategies for some time now.  It’s an existing body of research, here are some examples (for paying customers):

Pattern-based strategies enable business leaders to actively seek, amplify, examine and exploit patterns (see “Introducing Pattern-Based Strategy“). Seeking patterns will require new disciplines and technologies that identify patterns of change to indicate opportunity or risk. Exploiting patterns will require new disciplines and technologies that enable an organization to establish a consistent and repeatable response (focused on results) to patterns of change.

Loan portfolio management should immediately become a critical element of a lender’s corporate pattern-based strategy because it uses technology to expose signals that may lead to a pattern that will have a positive or negative impact on operations.  It can be used to significantly the credit losses forecasted for the global financial services industry.

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Category: operations Uncategorized     Tags: ,

3 responses so far ↓

  • 1 Credit Card Issuers Further Ahead with Pattern-based Strategies   October 23, 2009 at 9:29 am

    [...] servicers have been slow to adopt loan portfolio management (a technology that supports pattern-based strategy) and continue to suffer heavy losses.  Contrasted to this, credit card issuers have been [...]

  • 2 Wiseclerk   October 29, 2009 at 4:50 pm

    Kristin,

    I think mid-term p2p lending services (e.g. Lending Club, Zopa) will adopt pattern recognition to better identify and gauge risks. At the moment they rely on external data sources like credit bureaus, heavily.

    But just like credit card companies p2p lending companies can build a huge database of payment related information. It will be interesting to see who makes use of this first and how.

    Wiseclerk
    Editor
    http://www.p2p-banking.com

  • 3 Kristin Moyer   October 30, 2009 at 10:55 am

    That’s a great point. Banks have really struggled to use data for value added purposes, whereas e-commerce vendors like Amazon and payment providers like PayPal have done this very well. In social media, we’re seeing some of the goal-based savings providers (like SmartyPig) leverage payment-related and other customer information very effectively. For example, going to retailers and saying, we have x-number of customers saving for home remodeling, the value of these savings goals is $x and the average individual consumer goal for home remodeling is $x.

    Thanks for brining this up. You’re right – we should expect to see this same thing happen in P2P lending.