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Many lenders blame late payments on “bad borrowers,” but the real problem is often hidden in the data they overlook. This article explains why your default rate is higher than it should be and highlights five powerful data points, often ignored by lenders that can dramatically improve underwriting accuracy, borrower monitoring, and repayment performance.

The question lenders now ask is simple: does Android still allow loan apps to scrape SMS from users’ phones for credit scoring?

The gap between fast-growing lenders and those stuck comes down to software. If you’re running a growing operation, this guide will help you figure out which system actually fits your business, your team, and your future as a lender.