Blog | BNPL: Fast is Not the Same as Flexible

Last post, we discussed how consumers want more flexible financing options and why BNPL is growing in popularity. Yet more flexibility doesn’t necessarily translate to less credit risk, and therefore BNPL players should adopt a more future-focused view of the...

Blog | BNPL: Dig Now, Win Later; Skip Now, Lose Later

In our last post, we discussed how fraud is impacting Buy Now, Pay Later (BNPL). Like with traditional finance companies, BNPL players must have a system in place to detect and prevent first-party fraud, third-party fraud, and synthetic identity fraud if they are to...

Blog | BNPL: When Less is More

In our previous post, we discussed how Buy Now, Pay Later (BNPL) financing has become more popular in recent years. Why consumers are choosing this method of financing over credit cards and more traditional forms of financing and payment include: Greater Access to...

Blog | BNPL: Lessons from Online Nonprime Lending

Last year, over 6 months into the pandemic, we published an article on The Financial Brand to discuss the emerging consumer need for more flexible financing options. Generational, economic, and political shifts toward the gig economy and non-traditional employment are...

Solution Sheet | Increasing Originations Among Thin-File Applicants

Solution Sheet | Increasing Originations Among Thin-File Applicants One of the largest used auto dealership networks wanted to increase originations among its predominantly nonprime customer base without increasing loss rates. Learn how Enova Decisions was able to...

Blog | Using Data & Analytics to Innovate and Grow

We built real-time decision capabilities so you don’t have to. Innovation drives customer satisfaction, bottom-line results, and growth. Innovation in risk decisioning requires the ability to grow internal analytics expertise and create real-time orchestration —...