Pagaya partners with lenders to underwrite some of the loans they don't want on their balance sheet. While PGY sells these loans, they keep some on their balance sheet. These loans, held for ...

A growing number of credit unions are tapping Upstart Holdings UPST to modernize their lending operations. In recent weeks, ...

A visionary business analyst and product owner with 18 years of proven track record in driving industry-transforming financial solutions in the UK, Olubunmi Martins-Afolabi possesses exceptional ...

This article was written by Jerome Barkate, Nakul Nair, Zane Van Dusen, and Scott Coulter. We are witnessing a remarkable period in the credit markets. Following years of accommodative monetary ...

Assessing creditworthiness has always played a central role in financial decision-making. For banks, lenders, and investment firms, evaluating the likelihood of borrower default is essential to ...

PALO ALTO, Calif.--(BUSINESS WIRE)--martini.ai, a leader in AI-driven credit analytics, today announced the launch of Agentic AI Company Research, a breakthrough solution that empowers businesses with ...

Download PDF More Formats on IMF eLibrary Order a Print Copy Create Citation The key function of banks in the real world is endogenously creating (inside) money. But they do so facing solvency, ...

Structural models of default are widely used to analyze corporate bond spreads, but have generally been unable to explain why risk premiums are as high as they are. This credit spread puzzle can be ...