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Consumer Credit Risky Business: The Sequel

Product Type: Market Research Report
Published by: TowerGroup
Published: July 2004
Product Code: R301-1099
Description
This TowerGroup Research Note examines the adequacy of present risk behavioral models as well as some of the pragmatic initiatives and emerging technologies that will enable lenders to identify and fight credit and fraud risk more aggressively.
Table of Contents
TowerGroup Take-Aways




Report Coverage




Consumer Credit Is Big Business


Exhibit 1: US Portfolio Performance Is Defined by Balances Outstanding in Retail Lending (2003)

Exhibit 2: US Home Equity Balances Outstrip Mortgages Despite the Refinance Boom (1997-2003)




Defining Credit Risk in Retail Portfolios


Exhibit 3: Credit Risk Touches All Processing Segments in Retail Credit (2004)


Building Blocks of Credit Decisions

Automating the Decision Process


Exhibit 4: Most Lenders Have Automated Workflow; Now Many More Are Automating Decisions (2004)


Vigilance in Managing Credit Risk Necessary in Servicing and Portfolio Management




Managing Credit Risk: Is it Real or Fraud?

Identity Theft


Exhibit 5: Decline in Fraud Related to Credit but Not Other Areas (2001-03)


New Kid on the Block: Identity Fraud

It's What's Inside That Counts

The New Face of Fraud


Exhibit 6: Recommendations for Protecting Customer Information with Lender Clients (2004)




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