Stephane Meslet

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 ...

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 ...

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 ...

The year was 2008, and the global financial crisis was well underway. From that point on until today, banks have gone through tremendous turmoil. Competition has been heightened, mergers & acquisitions have significantly increased, interest rates have slumped and are still very low, and most ret ...