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They urge that new surveys be conducted to document the proliferation and the effects of SBCS technology in the United States and abroad.
Incorporating this information directly into SBCS models improved prediction and encouraged greater underwriting standardization.
The first SBCS models were constructed by collecting a sample of fully seasoned loans and then dividing them into "goods" and "bads" on the basis of a credit event such as default or delinquency.
While some large banks, such as Wells Fargo, have developed proprietary SBCS models, most institutions have turned to outside vendors.
However, using SBCS in this way may exacerbate the opacity problem, yield inefficient credit terms, and potentially result in greater future credit losses; although it still may be profitable to underwrite credits this way because of the cost savings.
The primary source of information about whether and how financial institutions use SBCS comes from a telephone survey conducted by the Federal Reserve Bank of Atlanta in January 1998.
Overall, 62 of the 99 responding sample banks said that they used SBCS as of January 1998.
All banks that used SBCS did so for credits under $100K, while 74.
SBCS processes point-of-sale credit card transactions for retail merchants and issues verification numbers allowing a sale to be completed, Senagra said.
While SBCS approved the transactions, the money actually came from other victims, including MasterCard, Visa, Discovery and Sleep Comfort Adjustable Beds, Martin said.
To access a copy of the Q3 2012 SBCS Report, please visit: http://www.
CAN), a New York-based financial technology company, the SBCS Report features analysis of credit and debit card sales trends based on same store card sales data housed in CAN's data warehouses, which retain 14 years of restaurant, retail and service industry data from more than 60,000 businesses and the "daily" card sales data collected from more than 95,000 working capital transactions that have been supported by CAN's proprietary Daily Remittance Platform.
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- Sazandarian, Tatevik
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- Sazonov, Sergei
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