Blog

MIT research reveals that home price declines—not just loose lending—drove subprime defaults. Community FIs should layer local housing data into prescreen strategies to build resilient loan portfolios.

72% of consumers feel optimistic about their financial goals, yet only 31% are financially healthy. Smart prescreen strategies can bridge this gap and drive loan growth.

AI excels at identifying creditworthy prospects from bureau data, but knowing when not to automate is a strategic competency. Learn the 80/20 framework for balancing automation with human judgment in prescreen campaigns.

New research shows 89% of bank clients say offerings lack personalization. Community FIs that master data-driven prescreen marketing can capture borrowers fleeing impersonal experiences.

Credit unions are absorbing more credit risk than banks—by design, not distress. Learn how to convert this counter-cyclical strategy into funded loans through proactive borrower acquisition.

The most valuable thing prescreen campaign analytics can do is tell you where you’re winning and where you’re wasting money. A review of aggregated weighted campaign performance data across offer types and...

Across virtually every prescreen campaign we analyze at Micronotes, the same pattern emerges: community financial institutions are losing to competitors in the higher income, higher credit score, and higher balance...