Probability
Static credit models freeze risk in time, but Scott Nelson and Khrystyna Voloshyn argue that profitable equipment finance comes from tracking how borrowers adapt in herds, spotting behavioral patterns early and managing risk as the living, shifting force it really is.
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Whether you want to advocate for the use of AI in your organization, impress someone at an ELFA or NEFA event, or just channel your inner Cliff Clavin at the next neighborhood social event, here are my favorite AI insights so far in 2023.
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Historically, we experienced the concept of real-time data in analog systems like driving a car and heating or cooling a house. But digital has changed the value of real-time data because it makes that data portable, accessible and more usable. Equipment finance in the days of analog – paper contracts and accounting spreadsheets – had little use for real-time data. But in a digital world, the value of real-time data is increasing and we must learn to take full advantage.
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