Join GDS Link's Carl Spilker, EVP of Global Analytics and Advisory, and Matt Shubert, VP of Predictive Analytics and Data Science at West Coast University, along with guest host, GDS Link's VP of Global Marketing, Matthew Tepper, as they discuss the wide-ranging impact of artificial intelligence (AI) in the financial industry. 

Gain valuable insights into AI applications, benefits, leveraging data, best practices, market adaptation, insurance and lending, regulatory concerns, fraud detection, and the potential of AI in transforming financial processes. 

Stay connected with The Lending Link! Subscribe and follow us on our listening and social platforms, and access exclusive GDS Link offerings at: https://linktr.ee/thelendinglink.

Join Rich Alterman in an illuminating episode of The Lending Link as he engages in a dynamic conversation with John Baird, CEO and Co-founder of Vouched.  

Explore Vouched.ID's groundbreaking ID verification solutions and its ambitious mission to create the largest identity and reputation management platform worldwide. Discover the significance of reputation, the seamless ID verification process, AI technologies, and the battle against Deep Fake technology.  

Don't miss out on this captivating episode that unveils the path toward a more secure and trustworthy digital future. 

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In this episode of The Lending Link, host Rich Alterman is joined by Frank McKenna, Chief Fraud Specialist for Point Predictive, to discuss the turning points that have led to significant changes in the lending industry, particularly in relation to fraud prevention. With over two decades of experience in the industry, Frank provides valuable insights into the world of predictive lending, auto lending, and consumer loan fraud.

In this special episode of Lending Link, GDS Link's President and CEO, Paul Greenwood, sits down with the FedFis' Fintech Cowboys to discuss his 20+ years within the credit risk industry and the challenges of making changes to credit policy. Paul shares his insights on using data to target marketing to qualified borrowers and how GDS Link Marketing Services provides customized solutions for lenders through an omnichannel marketing strategy.

Paul also discusses the commercial repricing opportunity in the current cycle, the impact of the work-from-home shift on banking, and the emergence of fintech in the last ten years. He explores the increasing need for banks to embrace online lending and plug into the lead side of marketing. The episode ends with a discussion on some of the drawbacks of digital banking, the importance of storytelling, and the unique feeling that community banking delivers.

Join us for this insightful conversation on the future of banking and the importance of outreach within community banking.

In this episode of The Lending Link, host Rich Alterman is joined by Tom McDermott, Managing Director at Cambridge Wilkinson, to discuss the constantly evolving world of investment banking. With over 25 years of experience in the industry, Tom shares valuable insights on mezzanine financing, private equity, and ESG investing.

As the world continues to undergo a rapid digital transformation, e-commerce has become an indispensable aspect of our daily lives. However, with the increasing popularity of online shopping, the threat of e-commerce fraud has also grown significantly.  Experts have predicted that e-commerce fraud will soar to an astounding $48 billion by 2023, emphasizing the severity of the issue. To combat this growing problem, the e-commerce fraud detection and prevention market is expected to reach a staggering $69 billion by 2025. 

The Banking-as-a-Service (BaaS) market is having a profound impact on the financial service industry, with a projected market size of $48.40 Billion by 2030. The rise of BaaS has pushed traditional banks to adapt and digitalize their services, resulting in more partnerships between banks and fintech organizations. This has led to greater innovation and a changing regulatory landscape.

Join our host Rich Alterman, on this episode of The Lending Link as he sits down with Josh Williams, EVP, Chief Banking Officer & Head of Partnerships at Seattle Bank, to explore the impact of BaaS on the financial services industry. Josh and Rich discuss the early days of embedded banking, the trade-offs and pain points involved, and how to identify new partners amidst changing regulations.

Josh and Rich cover a wide range of topics, including:

🚀 The first product that Seattle Bank is bringing to market

So, put on your headphones and tune in for an insightful BaaS-focused conversation!

About Josh Williams

Josh Williams is Executive Vice President/Chief Banking Officer and Head of Partnerships at Seattle Bank. Josh joined Seattle Bank in 2014 and now leads Partner Banking, collaborating with fintechs, marketplaces, and brands to integrate financial services into their customer experience.

Josh leads with an exceptional focus on understanding client needs and surpassing their service expectations. Always aiming to advance his clients' progress toward their financial and business goals, Josh directed the development of Seattle Bank's private and commercial banking business lines designed for ultra-high-net-worth families and closely held businesses. He has over 20 years of experience serving as a resource to clients with complex banking needs, building, and leading successful teams, and formulating and executing organizational strategy.

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On this episode of The Lending Link, we delve into the rapidly growing world of Buy Now Pay Later (BNPL) services. With the BNPL market expected to reach a staggering $467.34 billion by 2026, this innovative payment option is changing the way consumers approach shopping and financial management. 

Our guest, Liz Pagel, SVP and Consumer Lending Business Leader at TransUnion, shares her passion for BNPL, how it may further financial inclusion, and the challenges of accurately defining it in credit reporting. Rich and Liz also provide valuable insights into the current state of BNPL lending and the efforts being made to improve the industry, including: 

• Overcoming BNPL challenges, such as updating infrastructures and educating lenders on dispute handling

Don't miss out on this informative discussion on the future of BNPL services. Tune in now!

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In the digital era, personal lending products emerge daily from various banks, credit unions, and fintech companies. When it comes to the U.S. and Canadian markets, it is critical to understand the full credit lifecycle of lending and risk management to remain agile and competitive.

While the countries may share a border and many similarities, they have several significant differences. In this episode of The Lending Link, we sit down with credit risk specialist and author of Unsecured Lending Risk Management, Frank Tian, to dive deeper into how these markets have evolved over the past 20 years and delve into their discrepancies within the lending market.

Frank and Rich also discuss a variety of topics, such as:

Show Notes:

About Frank Tian:

Frank Tian is a seasoned risk management professional in the unsecured lending industry. His work over the past two decades has spanned the full spectrum of retail risk management, from credit strategy and risk modeling to credit systems and fraud management. Frank has held various risk positions at multiple financial institutions in the US and Canada, including Wells Fargo, MUFG Union Bank, GE Money, BMO, and CIBC. He holds a Master’s Degree in Economics from the University of Ottawa and is a certified Financial Risk Manager (FRM).

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There isn't a period in the present day that we can equate to the COVID global pandemic and the effects that this era has had on the lending industry. Society was forced to isolate, everyone was left indoors, and not to mention that spending fell off a cliff. It was only natural from a lending perspective to withdraw and stop to wait and see what would happen before making any other determinations.

During this time, the CAREs Act also rolled out to help the consumer base households weather the severity of the coronavirus storm. As the CAREs Act avoided the tsunami of delinquencies and charge-offs, it did raise questions about forbearance, payment holidays, and stimulus checks. Did this create an environment that was artificial and not sustainable?

On this episode of The Lending Link, we sit down with Tom O'Neill, risk advisor with Equifax where he leads consulting engagements for clients across Equifax’s 23-country footprint.

In this insightful discussion, Tom and Rich also delve into a variety of topics spanning from:

About Tom O'Neill

Tom O'Neill brings over 20 years of experience leading analytic consulting engagements within Financial Services and other industries. As Risk Advisor at Equifax, O'Neill provides analytic thought leadership to client senior management, public forums, and various industry and advisory councils.

While at Equifax, upon the onset of COVID-19 and resulting CARES Act, Tom became responsible for producing weekly market insight summary reports for client groups spanning industries and lifecycle stages. He also regularly presented macroeconomic and industry trends within various forums and continues to do so at Equifax.

O'Neill's consulting career began in process engineering and solution requirements, helping design a GIS-mapping and reporting application for the US Department of Agriculture. He previously led Optimization Consulting groups responsible for developing and implementing.

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