Kristin Moyer

Doug McKibben recently published a research note on social networking and commercial banking (paying Gartner clients please see “Social Networking for Commercial Banking: An Opportunity and a Challenge for Banks”).
Social networking, online chat, blogs and mobile services are among the leading-edge communication and networking technology phenomenon that have become increasingly embedded in the fabric of [...]

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Red deer still refuse to cross the border between Germany and the Czech Republic (see “Deep in the Forest, Bambi Remains the Cold War’s Last Prisoner,” Wall Street Journal).  During the Cold War, a high electric fence and barbed wire fence separated West Germany and Czechoslovakia.  This would at times sever the heads of deer.
The [...]

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I spoke with someone in the industry recently that said something like 20%-30% of borrowers who are current on their mortgage at the time of modification later end up defaulting.  If a borrower has fallen behind on payments, the rate is more like 70%-80%.  Proactively pursuing borrowers in distress is a pre-delinquency management strategy, and [...]

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One of the most dramatic social changes in history is brewing according (see entire article in The Economist: “Go Forth and Multiple a Lot Less”). At some point in the next several years, the fertility rate of half of the world will be 2.1 or below. This is replacement level fertility, where [...]

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Predicts 2010 is hot off the presses (for paying Gartner clients): “Predicts 2010: Operational Technologies Present Threats and Opportunities in Banking and Investment Services.” IT leaders at banks and investment service firms should use this analysis to support their business and IT planning in 2010 and beyond, and to avoid wasted investments.
This year’s predictions [...]

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When I first saw the announcement that Avaya was getting into mortgage mods, my first thought was honestly, “Another provider to jump on the bandwagon.” Then I thought again.
Proactive Outreach for Financial Services is an outbound contact solution that uses voice automation to determine whether or not a borrower qualifies for modification (previously it [...]

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Contrasted to credit card issuers and consumer lenders, mortgage servicers are being less aggressive with the use of predictive analytics, optimization and behavior modeling.  For one thing, mortgage servicers have fewer levers to use and less data to leverage in reducing loss compared to issuers of revolving credit.  The cost of servicing has also gone [...]

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In financial services, data has become the differentiator in payments.  Financial institutions struggle to differentiate with payment products, but they can differentiate by using data for value added purposes (for Gartner clients, please see Banks Must Invest in Payment Systems to Win Back Customer Trust, Payment Information Value-Added Services: The Cornerstone of Customer Loyalty and [...]

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From Peter Redshaw.  I’m just back from the hugely successful Gartner Symposium in Orlando, USA, so now I have only the one week to help make final preparations for its sister event in Cannes, France! Orlando provided lots of evidence that confidence in the IT industry is starting to grow again and the banking and [...]

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Mortgage 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 aggressive with adopting loan portfolio management to seek, model and adapt.
For example, credit card issuers are reducing limits on consumers whose risk profile is changing, [...]

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