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Flood Of Meaningless Credit Alert 'Notifications' Worse Than Credit Card Offers & AOL Floppies - IMRANâ„¢
Considering the many hacks of credit card and consumer identity databases over the last several years, I am obviously thankful to have credit alerts and notifications if or when some significant change or access to my credit report occurs.
I like that most major credit cards also throw in that service for free. I do not mind getting multiple alerts for something significant. But this is flood of absolutely useless credit alert notifications are beyond absurd, bordering on insane.
Here is Experian urgently and earnestly alerting me on Sunday afternoon that the credit usage on one of my credit cards decreased... by a massive orgasm-inducing reduction of.... $68. Sixty-Eight f(*&^ing Dollars reduction in the balance of a credit card that probably charges me18-24% blood-sucking interest on say $10,000... Let me do a backflip to celebrate!
This is an example of good intentions and bad thinking creating a UrUXSux experience.
What do you think of this flood of notifications, and every app and service -- and even web page --- on the planet shoving a "Let me irritate the $#!T out of you by allowing notifications" message in our faces?
© 2022 IMRAN™
#IMRAN #IMHO #UserExperience #notification #CustomerExperience #UX #CX #CustomerService #informationoverload #uselessinformation #Experian #Creditanalysis
Credit Analysis and Lending Management, Fifth Edition is a comprehensive and complete textbook on credit risk analysis and lending management.
This book is a key resource in training staff in the financial sector including banks.
Lending, is one of the most important functions of any lending institution. If not managed properly, it can lead to credit quality problems that threaten the very existence of the financial institution. To manage the lending function properly and mitigate credit quality problems, staff adequately trained in risk assessment and management are required.
The book has six parts, including 17 chapters.
- Parts I & II present a framework for assessing and managing credit risk.
- Parts III & IV include chapters that deal with special types of lending: consumer lending, corporate lending, small business lending, and international lending.
- Part V details credit risk management, measurement techniques, and problem loan management.
- Part VI then, looks at other forms of finance: microfinance, agricultural finance, quantitative finance, and Financial Technology (FinTech). FinTech is a new addition to the book and recognizes the ever-changing financial environment.
Throughout this text, learning objectives are clearly indicated at the beginning of each chapter. Additionally, new concepts are developed in a brick-by-brick manner and supplemented by clear and useful examples.
Workforce efficiency can be improved with higher productivity through accelerating digital lending by keeping following steps in mind-
1. Workflow simplification
2. Create seamless digital journeys
3. Integration mechanism
4. Intelligent cross selling
5. effective performance management
Digital onboarding for account opening, loan origination system, card lending etc. delivers quicker credit cycles with efficient credit assessment, ingrain customers to business and unlocks tremendous customer value.
Credit Analysis and Lending Management, Fifth Edition is a comprehensive and complete textbook on credit risk analysis and lending management.
This book is a key resource in training staff in the financial sector including banks.
Lending, is one of the most important functions of any lending institution. If not managed properly, it can lead to credit quality problems that threaten the very existence of the financial institution. To manage the lending function properly and mitigate credit quality problems, staff adequately trained in risk assessment and management are required.
The book has six parts, including 17 chapters.
- Parts I & II present a framework for assessing and managing credit risk.
- Parts III & IV include chapters that deal with special types of lending: consumer lending, corporate lending, small business lending, and international lending.
- Part V details credit risk management, measurement techniques, and problem loan management.
- Part VI then, looks at other forms of finance: microfinance, agricultural finance, quantitative finance, and Financial Technology (FinTech). FinTech is a new addition to the book and recognizes the ever-changing financial environment.
Throughout this text, learning objectives are clearly indicated at the beginning of each chapter. Additionally, new concepts are developed in a brick-by-brick manner and supplemented by clear and useful examples.