The Earnix Blog: Resources for Insurance and Banking Leaders

Using AI to Improve Consumer Lending Outcomes and Drive Financial Inclusion

November 10, 2025

By Giovanni Oppenheim

A closer look at loan pricing transparency in the consumer-first era and what the AI revolution means for banks. 

The 4 Pillars of Banking and Loan Personalization in Unsecured Lending

June 9, 2024

By Earnix Team

For many, the term “personalization” is a buzzword with strong ties to digital experiences in online retail and consumer marketing. So, why is loan personalization so important today? And, most importantly, what it’s in it for you, the lender?

People Sitting at the Table

February 28, 2024

By Giovanni Oppenheim

As a lender, how do you cut through the noise to reach those buyers looking for the loan that's just right for them, and steal that business from the competition? The answer is loan personalisation.

Greater Loan Personalization and Quicker Turnaround Time: Reimagine Auto Finance Today

November 17, 2022

By Earnix Team

Against a backdrop of high interest rates, supply chain issues, changes in the mix between new and used vehicles, increasing regulatory pressures, and general economic uncertainty, there is no question that the auto financing landscape is more competitive than ever.

Power Your Auto Loan Forecasts with Pricing Science

September 20, 2022

By Earnix Team

Rising inflation, supply challenges and a decline in new automobiles available for sale are challenging the traditional Captive OEM business. Fierce competition from banks, credit unions and data savvy Fintechs is contributing to the plunging new car loan volume and the overall Captive’s market share erosion.

Reimagine Auto Finance: Make Every Customer a Personalized Offer in Real-time

September 13, 2022

By Earnix Team

Driven by the lingering effects of the COVID-19 pandemic and the ever-growing popularity of online purchasing in every retail sector, online auto buying now accounts for nearly a third of new car purchases.