The latest from Karan Bhalla

Dec 10, 2020 - by Karan Bhalla, CU Rise Analytics

A look at 2021: A strong case for optimism but the ride isn’t over

Many of us find ourselves at the end of 2020 reflecting on a year that has brought change into every corner of our lives. While we are looking to 2021 ...

Jun 12, 2020 - by Karan Bhalla, CU Rise Analytics

Key ‘analytics interventions’ that drive effective credit card strategy

If you want to boggle your mind, think for a moment about consumer credit card usage. Every second, over 10,000 credit card transactions happen around the world. In 2018, ...

Jun 20, 2019 - by Karan Bhalla, CU Rise Analytics

You can’t afford NOT to use data-driven onboarding

Financial consumers today have choices – at least 10,000 when it comes to financial institutions, to be more exact. That’s why, when you secure a new member, retaining them ...

Jul 13, 2017 - by Karan Bhalla, CU Rise Analytics

Predictive models take the sting out of collections

Collections is a touchy subject for people-centric credit unions. The human aspect to requesting repayment from already struggling members is difficult enough. Pile on the financial, regulatory and operations components ...

May 8, 2017 - by Karan Bhalla, CU Rise Analytics

The ideal blend of machine and human intelligence

Technology that mimics the human brain is predicted to disrupt nearly every business function imaginable. Machine learning, for example, will dramatically reduce timelines, increase quality and boost revenue. The technology, ...

Mar 28, 2017 - by Karan Bhalla, CU Rise Analytics

Not your father’s dashboard

Although business dashboards have existed for years, they are experiencing something of a resurgence. New financial products, digital communications and the increasing dominance of social media have all combined to ...

Jan 23, 2017 - by Karan Bhalla, CU Rise Analytics

Proceed with caution: High-value rewards programs can attract gamers

The U.S. credit card market presents a tough competitive landscape – even for best-in-class credit card companies. Complicating matters is an over-crowded payments scene and a highly saturated credit-qualified population. ...

Nov 21, 2016 - by Karan Bhalla, CU Rise Analytics

Data-driven prepaid strategy retains, attracts engaged cardholders

It’s not usual for a financial institution to discover most of the revenue generated by its prepaid card portfolio comes from a small number of cardholders. Here again, the ...