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How Scorecards Can Be Used to Determine Customer Loyalty
Marketing to and serving the right customers is critical for every business. Customers who aren’t profitable split your focus, taking time and energy away from ensuring your best customers remain loyal to your business. Scorecards can help you identify and focus on...
Can Open Banking Transform Credit Risk Assessment in South Africa?
The financial services industry is experiencing a rapid digital transformation, with Open Banking emerging as a particularly disruptive and promising development globally. While countries like the UK and Australia have established formal Open Banking regulations,...
What type of Machine Learning is right for my business?
Machine Learning is far from a new concept. As early as 1959, Arthur Samuel’s self-training checkers algorithm had already achieved “amateur status”, a remarkable achievement for its time. This article aims to clarify the two main types of Machine Learning you’re...
How to Use Alternative Data to Improve Credit Risk Models in South Africa
Using alternative data enables more accurate, dynamic & inclusive credit risk modelling, especially in emerging markets, like South Africa. Find out how we use alternative data to improve credit risk modelling for our clients.
The Top 14 Predictive Analytics Pitfalls to Avoid
Predictive Analytics can yield amazing results. The improvement that can be achieved by basing future decisions on observed patterns in historical events can far outweigh anything that can be achieved by relying on gut-feel or being guided by anecdotal events. In a...
Getting Started with the Principa Cloud Portal
Your new home for smarter, faster Credit Compass insights What Is Principa.Cloud? Principa.Cloud is your new secure, always-on portal where you can view, download, and explore your Credit Compass Bureau Benchmarking (CC-BB) data like never before. It replaces the...
Navigating the Storm: Strategic Responses for South Africa’s Shifting Credit Landscape
Contrasting Credit Trajectories: Banks vs. Retailers The South African credit market stands at a critical juncture marked by divergent growth trajectories between banks and retailers, elevated Non-Performing Loans (NPLs), and persistent economic pressures. These...
Unlocking Credit for 3 Billion: How ADMiT is Transforming Financial Inclusion
The Invisible Opportunity When I stepped into my role as CEO, one number stopped me in my tracks: 3 billion. That’s the estimated number of people globally who are “credit invisible” – individuals with no formal credit history. In South Africa alone, roughly 15...
The Four Types of Data Analytics: A Comprehensive Exploration of Methodologies and Applications
The Foundational Role of Data Analytics in Decision-Making In today’s dynamic financial and business environments, data analytics has become an indispensable component for organisations striving to make well-informed, data-driven decisions. By effectively utilising...
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