Crypto has disrupted the fintech world and is now a mainstream investment option. But a goldrush into all thing crypto has also given birth to a lot of...
Category - Analysis
Analysis of the p2p and marketplace lending space, from companies to products, and from securitization to key performance indicators of originators.
Ever since the concept of alternative lending took hold in 2013, proponents have made substantive claims of what alternative data could achieve by bringing...
Any entrepreneur will tell you, starting a small business is not for the faint of heart. It takes vision, grit, determination, dedication, an overwhelming...
Over the last half decade, rates of account takeover have multiplied significantly. According to a PYMNTS.com report, account takeovers jumped 300% in 2017...
Modern Small and Medium Enterprises (SMEs) represent a significant part of the global economy, accounting for nearly 90% of all modern businesses. Modern SMEs...
Internet 1.0 is HTML websites.
Internet 2.0 is a social network and user-created content.
How is Internet 3.0 coming along?
What is Internet 3.0?
Are you...
Artificial intelligence (AI) and machine learning (ML) are ubiquitous in today’s workplace conversations. Turn on any business news channel and you’ll hear...
In 2017, HES designed GiniMachine, an AutoML platform for credit scoring. Since then, we have conducted more than 100 pilot projects for banks, credit unions...
With several fintech companies reporting earnings disappointments over the last two weeks and with FinTech Unicorn GreenSky, Inc. (GSKY) that IPO’d less than...
Non-prime lending has revolutionized the lending sector. In times where people lack a stable credit history, securing a traditional loan is not easy—and...
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