Kristin Moyer

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Entries Tagged as 'lending'


Euro Crisis:Get Ready for More Regulation and Protectionism.

by Kristin Moyer  |  January 10, 2012  |  Comments Off

Contributed by David Furlonger   [ Register Now For January 19th webinar: Euro Crisis Webinar ] An interesting article appeared on Reuters yesterday: Financial repression is here and may be helpful. It discusses and supports the potential for greater control over the financial markets by governments, including a continuation of the current schemes that print more money [...]

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Euro Crisis: What is the Connection between Hypothecation and the Future of Money?

by Kristin Moyer  |  December 20, 2011  |  Comments Off

Contributed by David Furlonger On the weekend, I read a rather alarming commentary by David Stockman European Banking System is on the Verge of Collapse. While this analysis clearly highlights the fragility of bank balance sheets, it doesn’t dig deeply into the graver issue facing the Eurozone policy makers and indeed the world –  that [...]

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The Tragedy of the Euro Fiscal Commons

by Kristin Moyer  |  December 9, 2011  |  Comments Off

Contributed by David Furlonger As announced on the BBC (and other media outlets) today: Euro crisis: Eurozone deal reached without UK it appears on the surface as if consensus has been reached between many Eurozone countries on addressing the crisis. All but the UK whose current leader believes such a deal is not in the [...]

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Mobile Alerts and Pre-Delinquency Management

by Kristin Moyer  |  November 10, 2009  |  1 Comment

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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Category: operations     Tags: , ,

Four Lending Innovations in Action

by Kristin Moyer  |  September 18, 2009  |  5 Comments

Virgin Money has put four lending innovations into action with the Virgin Money Lender Blender for student lending: Product design – The borrower indicates who they are (parent, student, friend/family member) where the university is located (for example, state level in the US), which university the student will attend (a drop down list is provided [...]

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Category: operations     Tags: ,

“My Lender”

by Kristin Moyer  |  September 16, 2009  |  2 Comments

We’ve had some client interactions with C-level banking executives and others lately that have shown that many banks are so focused on operations and products that they do not understand who their customers are or what their customers really want.  While many other industries have become more buyer-centric (for example, travel, e-commerce), banking has not. [...]

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Category: Customer Uncategorized     Tags: , ,

Get Ready for Customer-Negotiated Pricing in Lending

by Kristin Moyer  |  September 14, 2009  |  1 Comment

Alistair Netwon and Kristin Moyer here.  Customers have come to expect the ability to compare prices for goods and services that they utilize in their everyday lives.  As they book airline flights, decide on what television set to purchase, consider a prospective car purchase, or decide on what car or home insurance policy to take [...]

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Lending Product Gallery

by Kristin Moyer  |  September 8, 2009  |  1 Comment

One way to become more buyer-centric in lending (see here and here) is to create a lending product gallery that lets customers rate products. Letting customers rate products is not a new idea.  For example, Amazon.com lets customers rate books, music and other products and provide a review of the product for other customers to [...]

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Why Buyer-Centricity is Extra Important in Lending

by Kristin Moyer  |  September 4, 2009  |  Comments Off

Last week I wrote that lending needs to become more buyer-centric (see here).  This is really true across banking operations.  While many other industries have had to become more buyer-centric (for example, the travel and broader retailing industries), traditional banking has not made significant progress in this area. Is there a case that buyer-centricity is [...]

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Lending Needs to Become More Buyer-Centric

by Kristin Moyer  |  August 28, 2009  |  3 Comments

I’ve seen the financial crisis make it tempting for banks to focus internally in order to reduce costs, deal with post-merger integration and other matters related to the financial crisis.  To be fair, an internal focus is not really that new, though – for example, the term “banker’s hours” has long been used to jokingly [...]

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