In the past few years, there have been several developments in the field of modeling the credit risk in banks’ commercial loan portfolios. Credit risk is essentially the possibility that a bank’s loan ...

A new study suggests that lenders may get their strongest overall read on credit default risk by combining several machine ...

The regulatory environment continues to increase in complexity as the EBA and the PRA provide new guidelines and updates to ...

In early 2026, the U.S. leveraged loan market performed worse than the high-yield bond market, even though these two asset ...

This article was written by Jerome Barkate, Nakul Nair, Zane Van Dusen, and Scott Coulter. We are witnessing a remarkable period in the credit markets. Following years of accommodative monetary ...

As a powerful force in the financial landscape, fintechs offer innovative technology solutions that cater to diverse consumer needs. To manage credit risk effectively, fintech lenders can adopt unique ...

Key financial metrics improved: Q4 revenue was $159 million (up from $155 million in Q3); adjusted net income was $26 million (down from $41 million in Q3, but Q4 was noted as a record for that ...

By welcoming AI-driven vendor platforms into their banks, small and midsize institutions are introducing risks that are ...

Artem Lalaiants is the Founder and CEO of RiskSeal with 10+ years in fintech and deep expertise in alternative credit risk scoring. Fraudsters used to exploit a lack of signals. Today, they exploit ...

The key function of banks in the real world is endogenously creating (inside) money. But they do so facing solvency, liquidity and maturity risks and being subject to regulatory and demand constraints ...