Kristin Moyer

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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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):

“Introducing Pattern-Based Strategy“
“Balance Investment in Four Categories to Support Pattern-Based Strategy”
“Five Eras of IT Business Value Add: From Automation to Pattern-Based Strategy”
“CEOs and Chief Strategy Officers: Balance Investments With Pattern-Based [...]

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In addition to dealing with delinquency and supporting other risk management capabilities, loan portfolio management can also be used to rebuild portfolio profitability and growth in the face of volatile conditions and regulatory change.
Regulatory change, falling balances, record delinquencies and general recessionary stress require a new approach to credit cards.  Loan portfolio management can help [...]

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We’ve previously posted on use cases for loan portfolio management.  We know extend this list.  Loan portfolio management can reduce credit loss in the following ways:

Distressed portfolio management – ability to determine the optimal treatment strategy:

Loan modification
Short [...]

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