Banking

5 min read
Buy-now-pay-later apps: If you can’t beat them—wait, no, you can beat them

By KJ McAlpin on May 5, 2022

BNPL solutions are often more affordable and more accessible than traditional credit cards—but most consumers still want short-term financing options directly from their trusted primary bank. Learn how adjusting your underwriting model and tapping into alternative data sources can help you appeal to a wider market.

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5 min read
The great balancing act: fraud prevention and customer experience

By KJ McAlpin on Apr 26, 2022

Alloy CEO Tommy Nicholas and Jamie Warder, Executive VP & Head of Digital Banking at KeyBank, react to Forrester's study, The Identity Decisioning Imperative.

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4 min read
3 fraud & risk lessons banks can learn from fintech companies

By Tommy Nicholas on Apr 13, 2022

Alloy CEO Tommy Nicholas outlines the top three challenges he sees banks face in their KYC and fraud prevention efforts and shares some lessons banks can learn from fintech companies to overcome these challenges.

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5 min read
Exploring the "niche" banking trend

By KJ McAlpin on Mar 15, 2022

Billie Simmons, Co-founder & COO of Daylight, Ryan Falvey, Founder & Managing Partner at Financial Venture Studio and Alloy’s GM of Fintech, Charley Ma weigh in on the "niche" banking trend.

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5 min read
Forrester study highlights how leading banks are solving their identity decisioning problem

By KJ McAlpin on Jan 10, 2022

In a recent independent study conducted by Forrester, The Identity Decisioning Imperative, they surveyed 100 senior executives from large US banks to find out how they are approaching closing the gap between fraud prevention and a seamless customer experience. According to the report, just 9% of banks have found the sweet spot by adopting an Identity Decisioning Platform.

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How to approve more good customers

In this eBook, we explore how using multiple data source providers in your identity verification process can not only help you mitigate fraud risks, but also bring on more good customers.

Download

3 min read
The digital transformation of in-branch account opening

By KJ McAlpin on Dec 30, 2021

There’s been a lot of talk about how customers only want to operate online nowadays. In response, businesses are focused on building or improving their digital experience — and they should be. Gen Z and millennials tend to opt for online experiences before in-person ones, but that doesn’t mean you can forget about your in-person experience.

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5 min read
How valuable is a credit score?

By Harris Chen on Dec 2, 2021

Lending decisions have relied heavily on credit scores since they were first introduced in the late-1950s. However, some FIs have recently started incorporating alternative sources of data into their lending decisions. After more than 60 years of trusting credit scores, what is prompting our industry to rethink them?

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2 min read
How to vet a fintech solution to add to your tech stack

By KJ McAlpin on Oct 29, 2021

Vetting a fintech vendor can be a complicated process for banks. To help make the experience easier, we put together a pre-qualification checklist to use while you are building your RFI. This checklist will ensure that you are receiving all the information necessary to confirm that the fintech company will be a good fit for your bank.

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Keep up to date with Alloy

Subscribe to our blog for the latest posts, resources, and events for all things banking and fintech.

1 min read
How banks should adapt for digital growth [WEBINAR]

By Alloy on Jul 22, 2021

With digital banking on the rise, banks are forced to reconsider how they engage with and service today’s customers. Is your financial institution equipped to handle this change?

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2 min read
Using omnichannel banking to better serve customers

By Alloy on Jul 14, 2020

How Berkshire Bank employs omnichannel banking to create a system that provides the services customers need when and where they need them.

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3 min read
Leveraging surges in digital banking while mitigating risk

By Alloy on Jun 16, 2020

How surges in digital banking have accelerated the need for banks to simultaneously serve customers and fight fraud across digital channels.

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5 min read
How is platformization affecting banking?

By Edwina Johnson on Jun 26, 2018

A select group of some of the finest movers and shakers in the financial innovation space gathered together for Alloy’s inaugural API summit.

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2 min read
Banks shouldn't reinvent the wheel

By Laura Spiekerman on Jul 12, 2016

We’ve added “aas” to so many functions and products, from Software to Platforms to Backend (there’s some joke to be made here, but I’ll refrain…).

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Resources

EBOOK
15 min read
How to approve more good customers

Your guide to using multiple data sources for identity verification

Download

EBOOK
10 min read
Your guide to build vs. buy

Discover which path forward is right for your organization's identity decisioning process

Download

EBOOK
10 min read
The value of an identity decisioning platform

How to calculate the ROI

Download

Updates to our platform

View the changelog

New Feature

By Alloy on May 20, 2022

Multi-entity Journeys now supported

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New Feature

By Alloy on May 2, 2022

What-If now available for Credit Underwriting

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New Feature

By Alloy on Mar 15, 2022

New API allows easy import of final outcome data

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Updated Feature

By Alloy on Mar 8, 2022

Business attributes now available for Allow/Deny lists

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