We explore what factors influence the choice of sample size and how to strike the right balance to ensure a robust and reliable method.

The future of credit scorecards lies at the intersection of traditional logistic regression models and AI.

Broken rule report is a valuable tool in credit risk management.

Delve into what credit risk management entails and factors to consider when deciding if it’s the right career choice for you.

Learn the intricacies of consumer lending fraud.

Six things I've learned in the last six years since starting Happy Prime.

The Phillips Unemployment and Inflation Curve is a valuable tool in credit risk management.

Find out more about what an inverted yield curve is, how it works, and whether it truly signals an imminent recession.

As businesses and financial institutions face a growing number of climate-related challenges, it’s imperative to ask the question: should...

At Happy Prime, our commitment to collaboration and positive change within the financial sector is unwavering. We're excited to announce...

Find out why banks and financial institutions that adopt the 3 lines of defence model are better equipped to manage credit risk and...

The choice between reverse mortgages and debt consolidation hinges on your unique financial circumstances, goals, and preferences. Both...

One of the primary benefits of using survival analysis in credit risk management is that it allows lenders to identify high-risk customers

Learn how the recent change in requirements made by the CCCFA have positively impacted lenders in New Zealand.

Lenders and financial institutions use different methods to evaluate a borrower's creditworthiness.

The RBNZ requires registered banks and licensed non-bank deposit takers to report on their climate-related financial risk.

Understanding the importance of the three C's in credit risk management and how they're used to assess the creditworthiness of entities.

What are AVMs? And how do they help estimate the market value of a property? Read more to understand their advantages and limitations

What is net worth and does it have an impact on discretionary spending? We explore how the relationship is not always straightforward