Banking

5 min read
Increasing credit inclusivity with Nova Credit

By Elizabeth Matson on May 31, 2022

Our Credit Data series takes a closer look at the data partners that we’ve integrated within our credit decisioning workflows. In this first post of the series, we interview Chris Hansen at Nova Credit on using alternative data for evaluating credit risk.

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5 min read
Don’t get FOMO when it comes to crypto

By KJ McAlpin on May 25, 2022

We share four ways you can build an effective digital assets strategy—from mounting a robust risk management system to partnering with fintech companies to accelerate your roadmap.

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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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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.

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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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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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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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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

Updated Feature

By Alloy on Aug 4, 2022

Test and understand the impact of your transaction monitoring workflows

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New Feature

By Alloy on Aug 2, 2022

Ten new document types added to Alloy's Document Verification SDK

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Updated Feature

By Alloy on Jul 15, 2022

More flexible aggregations now available for transaction monitoring rules

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New Feature

By Alloy on Jul 13, 2022

Access help content and submit a support ticket directly from the dashboard

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