--- title: Insights description: insights image: https://content.wiserfunding.com/hubfs/Wiserfunding%20Logo%20-01%20(3).png --- [![Logo_Wiserfunding Logo -01-1](https://content.wiserfunding.com/hubfs/Logo_Wiserfunding%20Logo%20-01-1.png)](https://www.wiserfunding.com/) - [SOLUTIONS](https://wiserfunding.com/solutions/) [SIGN IN](https://risk.wiserfunding.com/login) [GET STARTED](https://www.wiserfunding.com/demo-request/) # Insights Gain perspective with the latest news, research, and success stories in SME credit. Sign up to get updates when new content is available.   [GET STARTED](https://www.wiserfunding.com/demo-request/) ![MicrosoftTeams-image (12)](https://content.wiserfunding.com/hubfs/MicrosoftTeams-image%20(12).png) - [ALL](https://content.wiserfunding.com/insights/all) - [News](https://content.wiserfunding.com/insights/tag/news) - [Research](https://content.wiserfunding.com/insights/tag/research) - [Blog](https://content.wiserfunding.com/insights/tag/blog) - [Case Studies](https://content.wiserfunding.com/insights/tag/case-studies) This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. ### [KUKE selects Wiserfunding to digitise risk assessments](https://content.wiserfunding.com/insights/kuke-selects-wiserfunding-to-digitise-risk-assessments) Poland’s Export Credit Agency has selected Wiserfunding to increase the efficiency of its lending operations Wiserfunding Jan 24, 2024 ### [The power behind our SME risk models](https://content.wiserfunding.com/insights/the-power-behind-our-sme-risk-models) Utilising SME-specific data with detailed segmentation by sector and region. Wiserfunding Jan 15, 2024 ### [Pioneering SME risk assessments](https://content.wiserfunding.com/insights/pioneering-sme-risk-assessment) How a pivotal study unfolded into comprehensive solutions, reshaping the landscape of financial understanding Wiserfunding Jan 10, 2024 ### [Navigating the New Landscape](https://content.wiserfunding.com/insights/navigating-the-new-landscape-removing-the-sme-supporting-factor) The implications of removing the SME supporting factor for financial institutions Wiserfunding Jan 9, 2024 ### [How ‘multi-search’ is revolutionising risk management](https://content.wiserfunding.com/insights/how-multi-search-is-revolutionising-risk-management) Wiserfunding's most recent blog post explores how the ‘multi-search’ feature is revolutionising risk management, and why you can’t afford to ignore... Wiserfunding Nov 21, 2023 ### [Unlocking new opportunities for SME lending in the GCC](https://content.wiserfunding.com/insights/unlocking-new-opportunities-for-sme-lending-in-the-gcc) Although the current numbers of SME employees in the GCC may be far below global averages, the ambition is not. Wiserfunding Nov 3, 2023 ### [The role of Capital Markets in supporting SMEs funding in the LAC region](https://content.wiserfunding.com/insights/the-role-of-capital-markets-in-supporting-smes-funding-in-the-lac-region) Wiserfunding's most recent blog post discusses our founders most recent study, sponsored by the Inter-American Development Bank, on how capital... Wiserfunding Oct 11, 2023 ### [Can capital markets play a vital role in supporting SME financing?](https://content.wiserfunding.com/insights/support-for-sme-funding-through-capital-markets) Wiserfunding's most recent blog post discusses the benefits of increasing support for SME funding through capital markets. Wiserfunding Oct 4, 2023 ### [Risk management 2.0](https://content.wiserfunding.com/insights/balancing-human-touch-and-automation) Balancing human touch and automation Wiserfunding Oct 3, 2023 ### [Supply Chain Strain](https://content.wiserfunding.com/insights/tackling-turbulence-in-the-supply-chain) How to tackle turbulence in the supply chain. Wiserfunding Sep 26, 2023 ### [Non-Bank Lending During Crises](https://content.wiserfunding.com/insights/non-bank-lending-during-crises-summary-bis) Julio Prado, Business Analyst at Wiserfunding, provides a summary of the recently published BIS research, highlighting two fundamental findings. Julio Prado Aug 22, 2023 ### [The reality of non-bank lenders during a crisis and how data can help](https://content.wiserfunding.com/insights/the-reality-of-non-bank-lenders-during-a-crisis-and-how-data-can-help) Wiserfunding CEO Gabriele Sabato explores the recent shifts in lending behaviour during downturns and how they can navigate the market with... Gabriele Sabato Aug 22, 2023 ### [Wiserfunding and Cardo AI Partner to Transform Credit Analytics in the Private Debt Market](https://content.wiserfunding.com/insights/wiserfunding-and-cardo-ai-partner-to-transform-credit-analytics-in-the-private-debt-market) Through the new partnership, customers can now access Wiserfunding's SME risk analytics natively through Cardo AI's platform. Wiserfunding Jul 19, 2023 News ### [The Future of Private Credit Markets](https://content.wiserfunding.com/insights/the-future-of-private-credit-markets) Evaluating successful growth strategies despite changes in the credit cycle. Learn more about our event with CARDO AI in our latest blog post. Wiserfunding Jul 19, 2023 ### [BNPL Buy Now, Pay Later Regulation in the UK: Will it affect B2B Players?](https://content.wiserfunding.com/insights/buy-now-pay-later-regulation) The proposed regulation will land later in 2023. What impact will it have? Read the full article on our blog. Wiserfunding Jul 19, 2023 ### [BNPL Affordability for SME Lenders](https://content.wiserfunding.com/insights/affordability-blog/) With Buy Now, Pay Later (BNPL) regulation on the horizon in the UK, the concept of borrower affordability is in full focus. Wiserfunding Jun 23, 2023 News ### [Introducing our new Portfolio Management solution](https://content.wiserfunding.com/insights/our-new-portfolio-management-solution) We’ve seen first-hand how investment managers struggle to maintain real-time insight into portfolio health as market conditions evolve. The wait is... Wiserfunding May 10, 2023 News ### [Wiserfunding and Defyca partner to bring SME debt funding on-chain](https://content.wiserfunding.com/insights/wiserfunding-and-defyca-partner-to-bring-sme-debt-funding-on-chain) We’re very excited to announce our new partnership with DEFYCA, a company building the next generation of private debt, so we can continue to bridge... Wiserfunding Dec 5, 2022 News ### [Breaking the Bias: Challenges and Solutions](https://content.wiserfunding.com/insights/breaking-the-bias) As part of International Women's Day celebrations, Wiserfunding joined a distinguished online panel to talk about Breaking the Bias. Full summary... Wiserfunding Oct 13, 2022 Case Studies ### [How LCI improved credit efficiency by 80% using Wiserfunding](https://content.wiserfunding.com/insights/capital-on-tap-accelerates-decisioning-to-expand-business-credit-access) LCI needed a credit risk solution that would support them as they tripled their portfolio and reduce the time required to screen potential customers. Simon Rodrigues Aug 25, 2022 Case Studies ### [How Lenderwize is transforming telecommunications financing with Wiserfunding](https://content.wiserfunding.com/insights/blog-capital-on-tap-accelerates-decisioning-to-expand-business-credit-access) Lenderwize is a digital marketplace that enables small to medium-sized telecom businesses to optimize cashflow through flexible invoice factoring. Simon Rodrigues Aug 11, 2022 Case Studies ### [How Playter makes instant credit decisions to scale sustainably with Wiserfunding and Codat](https://content.wiserfunding.com/insights/how-playter-makes-instant-credit-decisions-to-scale-sustainably-with-wiserfunding-and-codat) How Playter makes instant credit decisions to scale sustainably with Wiserfunding and Codat Simon Rodrigues Aug 3, 2022 Blog ### [The Ukrainian banking system during wartime](https://content.wiserfunding.com/insights/blog/the-ukrainian-banking-system-during-wartime) The Ukrainian banking system has demonstrated remarkable operational & economic resilience. We look at the underpinnings of this resilience.. Simon Rodrigues Jul 13, 2022 Blog ### [Resilience is the new normal](https://content.wiserfunding.com/insights/blog/resilience-is-the-new-normal-blog) We analysed a random sample of 1,820 SMEs across multiple industries using our unique approach to resilience analysis. Seven distinct archetypes... Julio Prado Jul 12, 2022 Blog ### [Credit Risk Ranking in the Champions League](https://content.wiserfunding.com/insights/credit-risk-ranking-in-the-champions-league-full-report) We sought to demystify the numbers so fans can bridge the gap between football & finance. We compiled three years’ worth of historical data for top... Simon Rodrigues May 5, 2022 Blog ### [What We’ve Heard and What We’ve Been Building](https://content.wiserfunding.com/insights/blog/what-we-have-heard-and-what-we-have-been-building) After almost four years of serving clients across four continents, we have gathered an invaluable amount of high-quality feedback about the... Wiserfunding Apr 12, 2022 Blog ### [Weak business models to blame for the collapse of UK energy providers](https://content.wiserfunding.com/insights/blog/weak-business-models-not-high-energy-prices-to-blame-for-the-collapse-of-uk-energy-providers) With 25 UK energy providers now in administration, the impact on consumers is significant. This article highlights the importance the sector’s... Wiserfunding Mar 24, 2022 Blog ### [Four Themes and a Notable Absence from Risk Minds 2021](https://content.wiserfunding.com/insights/blog/5-themes-from-risk-minds-2021) After years of virtual conferences & the looming threat of the omicron variant, we weren't t sure what to expect when landing in Barcelona for Risk... Jeff Courtney Dec 17, 2021 Research ### [Z-score vs minimum variance preselection methods for constructing small portfolios](https://content.wiserfunding.com/insights/research/z-score-vs-minimum-variance-preselection-methods-for-constructing-small-portfolios) ## Abstract Several contributions in the literature argue that a significant in-sample risk reduction can be obtained by investing in a relatively... Francesco Cesarone, Fabiomassimo Mango, Gabriele Sabato Oct 26, 2021 Research ### [Assessing the Credit Worthiness of Italian SMEs and Mini-bond Issuers](https://content.wiserfunding.com/insights/research/assessing-the-credit-worthiness-of-italian-smes-and-mini-bond-issuers) ## Abstract A number of innovations have been introduced in the last five years to counter the devastating impact of credit rationing in Europe,... Edward I. Altman, Maurizio Esentato and Gabriele Sabato Oct 26, 2021 Research ### [Managing Credit Risk For Retail Low-Default Portfolios](https://content.wiserfunding.com/insights/research/managing-credit-risk-for-retail-low-default-portfolios) ## Abstract Low-Default Portfolios (LDPs) form a significant and substantial portion of retail assets at major financial institutions. However, in... Gabriele Sabato Oct 26, 2021 Research ### [SME Borrowers of Alternative Lenders in the UK](https://content.wiserfunding.com/insights/research/sme-borrowers-of-alternative-lenders-in-the-uk) ## Abstract SMEs (Small and Medium Sized Enterprises) are fundamental to the economic development of any country, and access to credit is seen as an... Gabriele Sabato, Edward Altman and Galina Andreeva Oct 26, 2021 Research ### [Financial Crisis: Where Did Risk Management Fail?](https://content.wiserfunding.com/insights/research/financial-crisis-where-did-risk-management-fail) ## Abstract The real estate market bubble and the subprime mortgages have been often identified as the causes of the current financial crisis, but... Gabriele Sabato Oct 26, 2021 News ### [COVID Impact - Bankruptcies at record | Prof. Edward Altman speaks to ET Now](https://content.wiserfunding.com/insights/news/covid-impact-bankruptcies-at-record-prof.-edward-altman-speaks-to-et-now) COVID Impact - Bankruptcies at record | Prof. Edward Altman speaks to ET Now Admin Oct 26, 2021 News ### [Dr Edward Altman - 50 years of Z score!](https://content.wiserfunding.com/insights/news/dr-edward-altman-50-years-of-z-score) Dr Edward Altman - 50 years of Z score! Admin Oct 26, 2021 Blog ### [New members of Wiserfunding's Advisory Board](https://content.wiserfunding.com/insights/blog/new-members-of-wiserfundings-advisory-board) Wiserfunding are pleased to introduce new members of our advisory board | Wiserfunding Blog Wiserfunding Oct 26, 2021 Research ### [Restarting the Economy: How can we cure the overleveraging problem of UK SMEs?](https://content.wiserfunding.com/insights/research/restarting-the-economy-how-can-we-cure-the-overleveraging-problem-of-uk-smes) ## Introduction The COVID-19 pandemic has proved to be the perfect trigger to the current economic recession, but the global economy was already weak... Gabriele Sabato Oct 26, 2021 News ### [Z-Score Creator Altman Builds Model for Small Business Defaults](https://content.wiserfunding.com/insights/news/z-score-creator-altman-builds-model-for-small-business-defaults) Z-Score Creator Altman Builds Model for Small Business Defaults Admin Oct 26, 2021 News ### [Exclusive | India and the world were already overleveraged when COVID-19 hit, hence there will be massive bankruptcies: NYU professor emeritus Edward Altman](https://content.wiserfunding.com/insights/news/exclusive-india-and-the-world-were-already-overleveraged-when-covid-19-hit-hence-there-will-be-massive-bankruptcies-nyu-professor-emeritus-edward-altman) Exclusive | India and the world were already overleveraged when COVID-19 hit, hence there will be massive bankruptcies: NYU professor emeritus Edward... Admin Oct 26, 2021 News ### [New Coronavirus fintech taskforce offers support to SMEs](https://content.wiserfunding.com/insights/news/new-coronavirus-fintech-taskforce-offers-support-to-smes) New Coronavirus fintech taskforce offers support to SMEs Admin Oct 26, 2021 News ### [New credit risk platform aims to boost SME lending](https://content.wiserfunding.com/insights/news/new-credit-risk-platform-aims-to-boost-sme-lending) New credit risk platform aims to boost SME lending Admin Oct 26, 2021 News ### [CEO of Wiserfunding comments on Small Business Survey 2018](https://content.wiserfunding.com/insights/news/ceo-of-wiserfunding-comments-on-small-business-survey-2018) CEO of Wiserfunding comments on Small Business Survey 2018 Admin Oct 26, 2021 News ### [Nimbla and Wiserfunding partner to protect UK SMEs from insolvency](https://content.wiserfunding.com/insights/news/nimbla-and-wiserfunding-partner-to-protect-uk-smes-from-insolvency) Nimbla and Wiserfunding partner to protect UK SMEs from insolvency Admin Oct 26, 2021 News ### [THE MASTERS SERIES - Edward I. Altman, PhD: Fifty Years of Z-Scores to Predict the Probability of Corporate Bankruptcy](https://content.wiserfunding.com/insights/news/the-masters-series-edward-i.-altman-phd-fifty-years-of-z-scores-to-predict-the-probability-of-corporate-bankruptcy) THE MASTERS SERIES - Edward I. Altman, PhD: Fifty Years of Z-Scores to Predict the Probability of Corporate Bankruptcy Admin Oct 26, 2021 Blog ### [Climate Risk and SME Credit Analytics: An Urgent & Emerging Discipline](https://content.wiserfunding.com/insights/blog/climate-risk-and-sme-credit-analytics-an-urgent-and-emerging-discipline) After almost four years of serving clients across four continents, we have gathered an invaluable amount of high-quality feedback on our platform. Wiserfunding Oct 26, 2021 Research ### [Modeling Credit Risk For SMEs : Evidence From The US Market](https://content.wiserfunding.com/insights/research/modeling-credit-risk-for-smes) ## Abstract Considering the fundamental role played by small and medium sized enterprises (SMEs) in the economy of many countries and the... Gabriele Sabato, and Edward I. Altman Oct 26, 2021 Research ### [The link between default and recovery rates: effects on the procyclicality of regulatory capital ratios](https://content.wiserfunding.com/insights/research/the-link-between-default-and-recovery-rates-regulatory-capital-ratios) ## Abstract Credit scoring models play a fundamental role in the risk management practice at most banks. They are used to quantify credit risk at... Edward I. Altman, Andrea Resi, and Andrea Sironi Oct 26, 2021 News ### [Fintech taskforce established to help SMEs cope with COVID-19 pandemic](https://content.wiserfunding.com/insights/news/fintech-taskforce-established-to-help-smes-cope-with-covid-19-pandemic) Fintech taskforce established to help SMEs cope with COVID-19 pandemic Admin Oct 26, 2021 News ### [Invoice Financing Marketplace Crowdz Partners Wiserfunding to Provide Improved SME Default Assessments](https://content.wiserfunding.com/insights/news/invoice-financing-marketplace-crowdz-partners-wiserfunding-to-provide-improved-sme-default-assessments) Invoice Financing Marketplace Crowdz Partners Wiserfunding to Provide Improved SME Default Assessments Admin Oct 26, 2021 Research ### [Credit Scoring for SMEs: what have we learnt from the Z-Score and how have we transformed it for the future](https://content.wiserfunding.com/insights/news/credit-scoring-for-smes-what-have-we-learnt-from-the-z-score-and-how-have-we-transformed-it-for-the-future) Credit Scoring for SMEs: what have we learnt from the Z-Score and how have we transformed it for the future Admin Oct 26, 2021 News ### [Online Lending Platform Trade Ledger Forms Fintech Taskforce with Wiserfunding, Nimbla, NorthRow](https://content.wiserfunding.com/insights/news/online-lending-platform-trade-ledger-forms-fintech-taskforce-with-wiserfunding-nimbla-northrow) Online Lending Platform Trade Ledger Forms Fintech Taskforce with Wiserfunding, Nimbla, NorthRow Admin Oct 26, 2021 Research ### [Estimating Conservative Loss Given Default](https://content.wiserfunding.com/insights/research/estimating-conservative-loss-given-default) ## Abstract The new Basel Capital Accord (Basel II) is going to be embedded in the risk management practices at many financial institutions shortly,... Gabriele Sabato and Markus M. Shmid Oct 26, 2021 Blog ### [The Credit Cycle Outlook](https://content.wiserfunding.com/insights/blog/the-credit-cycle-outlook) As public markets wrestle with macroeconomic risks and difficult national and regional events, the bull run of the past decade shows signs of coming... Simon Rodrigues Oct 26, 2021 Research ### [Credit Risk Scoring Models](https://content.wiserfunding.com/insights/research/credit-risk-scoring-models) ## Abstract Credit scoring models play a fundamental role in the risk management practice at most banks. They are used to quantify credit risk at... Gabriele Sabato Oct 26, 2021 Research ### [Private Debt Markets: What lies ahead](https://content.wiserfunding.com/insights/research/private-debt-market-what-lies-ahead) ## Abstract According to the Chinese horoscope, 2021 is the year of the Ox. In the Chinese culture, the Ox is an animal traditionally used in... Wiserfunding Oct 26, 2021 News ### [Coronavirus fintech taskforce created to help lenders support SMEs](https://content.wiserfunding.com/insights/news/coronavirus-fintech-taskforce-created-to-help-lenders-support-smes) Coronavirus fintech taskforce created to help lenders support SMEs Admin Oct 26, 2021 Blog ### [Interview with Gabriele Sabato, CEO and co-founder](https://content.wiserfunding.com/insights/blog/interview-with-gabriele-sabato) We're all conscious that today, the first signs of recovery have now fleeted. There are fears of inflation and fears of labour shortage across... Admin Oct 26, 2021 News ### [Nimbla Teams With Wiserfunding To Safeguard Invoices](https://content.wiserfunding.com/insights/news/nimbla-teams-with-wiserfunding-to-safeguard-invoices) Nimbla Teams With Wiserfunding To Safeguard Invoices Admin Oct 26, 2021 News ### [Business banking battle heats up as Nationwide prepares to enter the fray amid a surge of small businesses switching accounts](https://content.wiserfunding.com/insights/news/business-banking-battle-heats-up-as-nationwide-prepares-to-enter-the-fray-amid-a-surge-of-small-businesses-switching-accounts) Business banking battle heats up as Nationwide prepares to enter the fray amid a surge of small businesses switching accounts Admin Oct 26, 2021 News ### [UK-based fintech Wiserfunding set to foray into India's MSME credit market](https://content.wiserfunding.com/insights/news/uk-based-fintech-wiserfunding-set-to-foray-into-indias-msme-credit-market) UK-based fintech Wiserfunding set to foray into India's MSME credit market Admin Oct 26, 2021 Blog ### [Fintech Solutions to Drive Economic Recovery in the SME Space](https://content.wiserfunding.com/insights/blog/fintech-solutions-for-economic-recovery-in-the-nation-of-shopkeepers) Opinion by Gabriele Sabato, Co-founder & CEO of Wiserfunding Gabriele Sabato Oct 26, 2021 Research ### [The Link between Default and Recovery Rates: effects on the procyclicality of regulatory capital ratios](https://content.wiserfunding.com/insights/research/the-link-between-default-and-recovery-rates) ## Abstract This paper analyzes the impact of various assumptions about the association between aggregate default probabilities and the loss given... Edward I. Altman, Brooks Brady, Andrea Resti and Andrea Sironi Oct 26, 2021 Research ### [Effects of the New Basel Capital Accord on Bank Capital Requirements for SMEs](https://content.wiserfunding.com/insights/research/effects-of-the-new-basel-capital-accord-on-bank-capital) ## Abstract Using data from three countries (US, Italy and Australia) and surveying related studies from several Other countries in Europe, we... Edward I. Altman, Gabriele Sabato Oct 26, 2021 Research ### [Risk Management, Corporate Governance, and Bank Performance in the Financial Crisis](https://content.wiserfunding.com/insights/research/risk-management-corporate-governance-and-bank-performance-in-the-financial-crisis) ## Abstract The recent financial crisis has raised several questions with respect to the corporate governance of financial institutions. This paper... Vincent Aebi, Gabriele Sabato, and Markus Schmid Oct 26, 2021 Research ### [Revisiting Credit Scoring Models in a Basel 2 Environment](https://content.wiserfunding.com/insights/research/revisiting-credit-scoring-models-in-a-basel-2-environment) ## Abstract This paper discusses two of the primary motivating influences on the recent development/revisions of credit scoring models, i.e., the... Edward I. Altman Oct 26, 2021 Research ### [Measuring and Managing Credit and Other Risks](https://content.wiserfunding.com/insights/research/measuring-and-managing-credit-and-other-risks) ## Abstract During the last 40 years, risk management has evolved tremendously. The technologies and methodologies to measure risks have reached... Gabriele Sabato Oct 26, 2021 Research ### [Edward Altman: Where Are We in the Credit Cycle?](https://content.wiserfunding.com/insights/research/edward-altman-where-are-we-in-the-credit-cycle) # What Is a Benign Credit Cycle? By my definition, benign credit cycles are periods when most if not all four aspects of the market are incentivizing... Edward Altman Oct 26, 2021 Research ### [Does Industry-wide Distress Affect Defaulted Firms? - Evidence from Creditor Recoveries](https://content.wiserfunding.com/insights/research/does-industry-wide-distress-affect-defaulted-firms) ## Abstract Using data on defaulted firms in the United States over the period 1982 to 1999, we show that creditors of defaulted firms recover... Viral V. Acharya, Sreedhar T. Bharath, and Anand Srinivasan Oct 26, 2021 News ### [Wiserfunding Co-Founder Dr. Edward Altman at the European Parliament](https://content.wiserfunding.com/insights/news/wiserfunding-co-founder-dr.-edward-altman-at-the-european-parliament) Wiserfunding Co-Founder Dr. Edward Altman at the European Parliament Admin Oct 26, 2021 Research ### [The Value of Non-Financial Information in SME Risk Management](https://content.wiserfunding.com/insights/research/the-value-of-non-financial-information-in-sme-risk-management) ## Abstract Within the commercial client segment, small business lending is gradually becoming a major target for many banks. The new Basel Capital... Edward I. Altman, Nicholas Wilson and Gabriele Sabato Oct 26, 2021 News ### [Father of Z-Scores Discusses Virus Impact on Corporate America](https://content.wiserfunding.com/insights/news/father-of-z-scores-discusses-virus-impact-on-corporate-america) Father of Z-Scores Discusses Virus Impact on Corporate America Admin Oct 26, 2021 Research ### [Financial Ratios, Discriminant Analysis and the Prediction of Corporate Bankruptcy](https://content.wiserfunding.com/insights/research/financial-ratios-discriminant-analysis-and-the-prediction-of-corporate-bankruptcy) ## Introduction ACADEMICIANS seem to be moving toward the elimination of ratio analysis as an analytical technique in assessing the performance of... Edward I. Altman Oct 26, 2021 News ### [Rising risk of default contagion? | Exclusive Interview With Edward Altman](https://content.wiserfunding.com/insights/news/rising-risk-of-default-contagion-exclusive-interview-with-edward-altman) Rising risk of default contagion? | Exclusive Interview With Edward Altman Admin Oct 26, 2021 News ### [Digital taskforce seeks lenders for Covid-19 SME cashflow project](https://content.wiserfunding.com/insights/news/digital-taskforce-seeks-lenders-for-covid-19-sme-cashflow-project) Digital taskforce seeks lenders for Covid-19 SME cashflow project Admin Oct 26, 2021 ### [How Playter makes instant credit decisions](https://content.wiserfunding.com/insights/how-playter-makes-instant-credit-decisions) Playter is a B2B BNPL solution that empowers SMEs to take control of their cashflow through fast, flexible funding to spread their invoice across 6... Simon Rodrigues Aug 2, 2021 News ### [US heading for 2nd largest bankruptcies: Edward Altman](https://content.wiserfunding.com/insights/news/us-heading-for-2nd-largest-bankruptcies-edward-altman) There is no question that the global economy is now in a financial crisis, perhaps unprecedented in its type and quite different than the one in... Admin Jun 2, 2021 Blog ### [Mastering Risk Management in the Digital Payments Space](https://content.wiserfunding.com/insights/blog/merchant-acquirer) Merchant acquirers are faced with a challenging environment and will have to face further risks. The credit risk process needs to be effective and... Julio Prado Jan 11, 2021 Research ### [Solving Sample Selection Bias in Credit Scoring: The Reject Inference](https://content.wiserfunding.com/insights/research/solving-sample-selection-bias-in-credit-scoring-rejecting-inference) ## Introduction Nonrandom samples may present a significant problem in credit scoring. In general, the developer of a credit scoring system possesses... Gabriele Sabato Jan 3, 2021 News ### [Second lockdown could lead to 90,000 jobs and half of hospitality companies collapsing, study warns](https://content.wiserfunding.com/insights/news/second-lockdown-could-lead-to-90000-jobs-and-half-of-hospitality-companies-collapsing-study-warns) Second lockdown could lead to 90,000 jobs and half of hospitality companies collapsing, study warns Admin Sep 2, 2020 News ### [More than a quarter of Scots hospitality firms could collapse in wake of pandemic](https://content.wiserfunding.com/insights/news/more-than-a-quarter-of-scots-hospitality-firms-could-collapse-in-wake-of-pandemic) More than a quarter of Scots hospitality firms could collapse in wake of pandemic Admin Sep 2, 2020 News ### [UK FinTech Wiserfunding to enter India](https://content.wiserfunding.com/insights/news/uk-fintech-wiserfunding-to-enter-india) UK FinTech Wiserfunding to enter India Admin Aug 2, 2020 News ### [UK fintech Wiserfunding to enter India, will invest up to $5 million](https://content.wiserfunding.com/insights/news/uk-fintech-wiserfunding-to-enter-india-will-invest-up-to-5-million) UK fintech Wiserfunding to enter India, will invest up to $5 million Admin Aug 2, 2020 News ### [Trade finance blockchain startup grows customers by 5,000% during COVID](https://content.wiserfunding.com/insights/news/trade-finance-blockchain-startup-grows-customers-by-5000-during-covid) Trade finance blockchain startup grows customers by 5,000% during COVID Admin Jul 7, 2020 News ### [UK fintech Wiserfunding enters India, to invest $5 million in three years](https://content.wiserfunding.com/insights/news/uk-fintech-wiserfunding-enters-india-to-invest-5-million-in-three-years) UK fintech Wiserfunding enters India, to invest $5 million in three years Admin Jul 4, 2020 News ### [Wiserfunding enters India, rolls out credit risk assessment tool for MSMEs](https://content.wiserfunding.com/insights/news/wiserfunding-enters-india-rolls-out-credit-risk-assessment-tool-for-msmes) Wiserfunding enters India, rolls out credit risk assessment tool for MSMEs Admin Jul 3, 2020 News ### [Wiserfunding enters Indian market, to provide lending solutions for SME sector](https://content.wiserfunding.com/insights/news/wiserfunding-enters-indian-market-to-provide-lending-solutions-for-sme-sector) Wiserfunding enters Indian market, to provide lending solutions for SME sector Admin Jul 3, 2020 News ### [UK Fintech Wiserfunding to Introduce AI enhanced Cloud based Credit Risk Assessment Tools in India](https://content.wiserfunding.com/insights/news/uk-fintech-wiserfunding-to-introduce-ai-enhanced-cloud-based-credit-risk-assessment-tools-in-india) UK Fintech Wiserfunding to Introduce AI enhanced Cloud based Credit Risk Assessment Tools in India Admin Jul 3, 2020 News ### [UK-based fintech Wiserfunding launches in India](https://content.wiserfunding.com/insights/news/uk-based-fintech-wiserfunding-launches-in-india) UK-based fintech Wiserfunding launches in India Admin Jul 3, 2020 News ### [Trade Ledger integrates Wiserfunding to advance credit risk mitigation](https://content.wiserfunding.com/insights/news/trade-ledger-integrates-wiserfunding-to-advance-credit-risk-mitigation) Trade Ledger integrates Wiserfunding to advance credit risk mitigation Admin Mar 11, 2020 News ### [Trade Ledger Partners With Wiserfunding For Commercial Risk Assessments](https://content.wiserfunding.com/insights/news/trade-ledger-partners-with-wiserfunding-for-commercial-risk-assessments) Trade Ledger Partners With Wiserfunding For Commercial Risk Assessments Admin Feb 10, 2020 Research ### [Now you can predict small business failure: Industry legend who created algorithm to predict bankruptcy in large firms launches new tool](https://content.wiserfunding.com/insights/news/now-you-can-predict-small-business-failure-industry-legend-who-created-algorithm-to-predict-bankruptcy-in-large-firms-launches-new-tool) Now you can predict small business failure: Industry legend who created algorithm to predict bankruptcy in large firms launches new tool Admin Sep 9, 2019 News ### [Wiserfunding partners with European rating agency modefinance](https://content.wiserfunding.com/insights/news/wiserfunding-partners-with-european-rating-agency-modefinance) Wiserfunding partners with European rating agency modefinance Admin Jul 19, 2019 Research ### [A fifty-year retrospective on credit risk models, the Altman Z-score family of models and their applications to financial markets and managerial strategies](https://content.wiserfunding.com/insights/research/a-fifty-year-retrospective-on-credit-risk-models) ## Abstract Fifty years ago, in 1967, I completed my PhD dissertation, which involved the first multivariate model for predicting the financial... 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