74 karma · joined January 26, 2016
Was there any major Linux release that would explain that ? Otherwise, i'd go with "This report contains preview data that has NOT been reviewed by Quality Assurance."
In a simplified model : Assume you give 100 dollar to five people with the intent to earn 5 dollar on interest of each (total 25 dollar interest income.) If now one of them can't pay back the 100 dollar you lose the 100 dollar and the five dollar interest income. So instead of 25 dollar income you get (20-100-5 = -85 dollar). To avoid this situation you start calling the guy (collections activities). Effecting your earnings again.
Of course one months in arrears is not immediately the road to immediate doom, but it is an early warning indicator. Especially if you look into trends to understand the behavior of the portfolio.
In this case the early-stage delinquencies have been improving since 2014 and starting 2017 reversed that trend. So if the trend continues this portfolio segment will grow again leading to more losses and collection activities.
Poorly researched, unnecessarily inflammatory, weak in arguments.
The Financial Services sector is heavily regulated because of the importance of trust and correct information. You can bring the system to an immediate standstill since most of the automation in the sector relies heavily on credit bureau data.
I believe Amazon, Tesco, etc actually would hold now the most accurate information about customer repayment ability in the retail segment.
I recognize the Mona Lisa when I see it, but I won't be able to reproduce it.
Which car company in the UK could take the market share from Germany?
Seems like a seller market to me.