The Earnix Blog: Resources for Insurance and Banking Leaders
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September 29, 2021
By Will Ely
The world is looking forward to a lot of things eventually returning to normal. The return of concerts, sporting events, and international travel will be a welcome relief. But some of the changes we’ve experienced over the past year will be permanent. One of those is the change in the expectations o ...
September 13, 2021
By Stephane Meslet & Will Ely
Banks haven’t always made pricing a priority. While analytically-driven pricing can offer outsized returns in both profitability and risk management, many lenders have been daunted by the need for advanced analytics and sophisticated deployment systems. They may no longer have a choice.
A must-have ...
July 6, 2021
By Luba Orlovsky
Imagine you have a magical tool that allows you to build a perfect model of the world – as precise as you wish. A model that can give you all the answers about the future. It can tell you anything! Just ask, “Is it going to rain tonight?” Or even better, “What will the price for oil be tomorrow?” An ...
June 24, 2021
By Stephane Meslet & Will Ely
The best models should lead to the best profits, right? But many banks seem to be missing a step.
Over the last decade, few subjects have garnered as much buzz as Machine Learning (ML). This subset of Artificial Intelligence (AI) conjures images of brilliant quantitative analysts leveraging bleedi ...
April 13, 2021
By Stephane Meslet
Annual reports from 2020 are showing increased Cost of Risk across the banking industry, with signs that the challenges are continuing into 2021. While it may be tempting to blame this trend on the pandemic (with the optimistic view that vaccines will solve the problem), the reality may be quite dif ...
March 11, 2021
By Will Ely
As surely as the sun rises, central banking authorities will expand regulations on the retail lending sector. In this edition, we see the European Banking Authority laying out guidelines aimed at reinforcing banks’ portfolios and protecting consumers from loans they are unable to repay.
Published i ...