Blogs to
enlighten
At Wiserfunding we believe in challenging the status quo, exploring better ways of doing things and inspiring new ways of thinking.
Blogs to
enlighten
At Wiserfunding we believe in challenging the status quo, exploring better ways of doing things and inspiring new ways of thinking.
Check out our blogs for perspective on the latest
news, expert insights and cutting-edge research
Or better still, sign up for our monthly newsletter to stay up-to-date at all times!
17 October 2024
Understanding DORA: EU Financial Sector Digital Operational Resilience
The Digital Operational Resilience Act (DORA) is a critical initiative aimed at enhancing the operational resilience of the financial [...]
26 September 2024
The Value of Unstructured Data in Credit Risk Assessment
Recent changes in market expectations, particularly regarding a potential interest rate cut by the Bank of England, prompt lenders [...]
12 September 2024
Webinar: How is Global Uncertainty Affecting the Credit Cycle?
On September 11th, we hosted an insightful webinar on How Global Uncertainty is Affecting the Credit Cycle Here [...]
9 September 2024
Unprecedented Measures: How Asset Managers Are Adapting to a New Era
The asset management industry is at a crossroads, facing unprecedented challenges and opportunities. The latest report from KPMG highlights [...]
23 August 2024
Gabrielle Sabato’s talk on the Impact of AI on credit risk management
In the recent "Code and Capital" video series by Finovate, Gabriele Sabato, co-founder and CEO of Wiserfunding, explored the [...]
21 August 2024
How AI Transforms Lending: Insights for SME Finance
How AI Drives Our Solutions at Wiserfunding At Wiserfunding, AI is at the heart of our cutting-edge solutions. Our [...]
16 August 2024
Future of Global Trade by 2032: Strategic Scenarios for Financial Institutions Operating Internationally
Global instability from financial crises, the pandemic, and geopolitical conflicts makes traditional planning insufficient. In this context, ECAs are [...]
14 August 2024
Export Credit Agencies in a Global Trade Landscape – Review Q1 2024
The latest Global Trade Update (July 2024) from UNCTAD reveals a landscape of recovery and change in global trade. [...]
8 August 2024
Zombie Firms: The Transformative Impact of Private Credit and Bankruptcy Reforms
The rise of zombie firms is a growing concern in today's economy. Extended low interest rates and economic disruptions [...]
2 August 2024
The Rise of Private Credit
The Rise of Private Credit: Transforming Corporate Debt and Governance Over the past generation, corporate America’s debt markets have undergone [...]
31 July 2024
Embracing Generative AI in Credit Risk
Embracing Generative AI in Credit Risk: A Transformative Opportunity Generative AI is rapidly gaining traction in various industries, including the [...]
24 July 2024
Where are we in the credit cycle? 2024 Outlook
From Average to Stressed Scenario for 2024: Preventing the risks Based on the 50 Years of Research of Edward I. [...]
28 June 2024
How Lenderwize is transforming telecommunications financing with Wiserfunding
“Wiserfunding gives us a complete and uniform tool for analysis that should be the industry standard. It blows away [...]
25 June 2024
Lending platforms are setting the standard for credit risk intelligence and operational efficiency – by being data-driven
Leveraging technology to harness the full potential of data has never been more critical and there's no question that it's [...]
13 May 2024
The future of credit risk intelligence
The future of credit risk intelligence is rapidly evolving, especially in the context of enhancing portfolio monitoring for SME clients [...]
13 May 2024
Driving growth through effective risk management
In the dynamic and competitive world of leasing, driving sustainable growth requires more than just expanding the lease portfolio—it necessitates [...]
9 May 2024
How LCI improved credit efficiency by 80% using Wiserfunding
“Since onboarding Wiserfunding as a management and decision making tool, our turnaround time dropped from a week to a [...]
8 May 2024
How Playter makes instant credit decisions to scale sustainably with Wiserfunding and Codat
Who Are Playter? Playter is a B2B Buy Now, Pay Later (BNPL) solution that empowers small and medium [...]
1 May 2024
The value of management accounts for risk analysis
The ability to accurately assess SME risk is crucial. Yet, traditional methods often fall short, relying on outdated financial data [...]
10 April 2024
Embracing technology for strategic advantage
The strategies and techniques employed to evaluate and mitigate risks are crucial to the health and success of banks and [...]
27 March 2024
How Capital On Tap Accelerates Credit Decisions
Who Are Capital On Tap? Capital on Tap provides an all-in-one small business credit card and spend management [...]
7 March 2024
The future of risk management in banking – navigating transformational change
Over the past decade, risk management within the banking sector has undergone a seismic shift, catalysed by the aftermath of [...]
6 March 2024
Six structural trends shaping the future of Bank Risk Management
The landscape of bank risk management is constantly evolving, shaped by a myriad of factors including regulatory changes, technological advancements [...]
6 March 2024
Enabling Polish exporters – a conversation with KUKE’s CEO
The importance of SME initiatives The Wiserfunding team had the pleasure of welcoming the KUKE team to our office last [...]
6 March 2024
Empowering women in work life
Driving diversity and inclusion International Women’s Day is more than just a celebration of women's achievements; it's a global call [...]
Revolutionising SME credit risk assessment with Wiserfunding and KUKE partnership
In a groundbreaking move that promises to redefine the landscape of SME credit risk assessment, the partnership between KUKE and [...]
The future of export credit: Leveraging tech & intelligence for better risk assessment
The landscape of export credit, a critical component of global trade, is undergoing a transformative shift. This change is driven [...]
Balancing risk and opportunity in a globalised world
At the heart of international trade and economic growth, Export Credit Agencies (ECAs) are more than just institutions; they're the [...]
The power behind our SME risk models
Insights from models based on 30 million data points In the intricate landscape of credit risk assessment, precision holds the [...]
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 [...]
25 January 2024
KUKE selects Wiserfunding to digitise risk assessments
KUKE, Poland’s Export Credit Agency and a leading supplier of trade-facilitating solutions, has selected Wiserfunding, a frontrunner in business credit [...]
3 November 2023
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. [...]
11 October 2023
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 [...]
4 October 2023
Can capital markets play a vital role in supporting SME financing?
Wiserfunding's most recent blog post discusses the benefits of increasing support for SME funding through capital markets. In the wake [...]
3 October 2023
Risk management 2.0
Balancing human touch and automation ‘The things that make me different are the things that make me, me.’ Immortal words [...]
26 September 2023
Supply Chain Strain
How to tackle turbulence in the supply chain. So far the 2020s has not been the smoothest of rides. We [...]
22 August 2023
Non-Bank Lending During Crises
Julio Prado, Business Analyst at Wiserfunding, provides a summary of the recently published BIS research, highlighting two fundamental findings. The [...]
22 August 2023
The reality of non-bank lenders during a crisis and how data can help
We are excited to announce our partnership with CARDO AI, a Milan-based private debt investment management technology platform. Our partnership [...]
19 July 2023
The Future of Private Credit Markets
The Future of Private Credit Markets Wiserfunding recently organised an event along with our partners at CARDO AI, bringing together lending [...]
23 June 2023
BNPL Affordability for SME Lenders
BNPL Affordability for SME Lenders With Buy Now, Pay Later (BNPL) regulation on the horizon in the UK, the concept of borrower [...]
13 December 2022
Wiserfunding and Cardo AI partner to transform credit analytics in the private debt market
Wiserfunding and Cardo AI partner to transform credit analytics in the private debt market We are excited to announce our [...]
5 December 2022
Wiserfunding and Defyca partner to bring SME debt funding on-chain
At Wiserfunding, our mission is to address the $5.4tn SME (Small and Medium Enterprise) funding gap by empowering lenders [...]
17 October 2022
How LCI improved credit efficiency by 80% using Wiserfunding
How LCI improved credit efficiency by 80% using Wiserfunding Get in touch “Since onboarding Wiserfunding as a management and decision [...]
13 October 2022
Breaking the Bias: Challenges and Solutions
Breaking the Bias: Challenges and Solutions As part of International Women's Day celebrations, Wiserfunding joined a distinguished online panel to [...]
13 July 2022
The Ukrainian banking system during wartime
Since February 2022, Ukraine has been roiled by Putin's hostile military invasion. Despite the heavy humanitarian and financial toll, the [...]
12 July 2022
Resilience is the new normal
How to proactively manage a lending portfolio in uncertain times We analysed a random sample of 1,820 SMEs across multiple [...]
1 June 2022
Champions League Football: Risk, Resilience and Performance
A snapshot of the top clubs in Champions League football With 5 billion fans around the globe, the beautiful game [...]
12 April 2022
Climate Risk and SME Credit Analytics: An Urgent & Emerging Discipline
Climate Risk and SME Credit Analytics: An Urgent & Emerging Discipline Climate and environmental risk analytics are increasingly important drivers [...]
12 April 2022
What We’ve Heard and What We’ve Been Building
What We Have Learned All our clients share a common goal; they need accurate, independent, and reliable insights into SMEs’ credit risk. [...]
12 April 2022
New members of Wiserfunding’s Advisory Board
Wiserfunding welcomes Kathleen Traynor Derose, Patrizio Messina, Joao Douat, Tony Kao and Mark Kronfeld as new members of the Advisory [...]
24 March 2022
Weak business models to blame for the collapse of UK energy providers
This week, we released research into the UK energy sector, which highlighted systemic shortcomings in the assessment of dozens of [...]
11 January 2022
Fintech Solutions to Drive Economic Recovery in the SME Space
As a “nation of shopkeepers,” the United Kingdom is an ideal case study for examples of what businesses need to [...]
17 December 2021
Four Themes and a Notable Absence from Risk Minds 2021
After years of virtual conferences & the looming threat of the omicron variant, we weren't t sure what to expect [...]
26 October 2021
Z-score vs minimum variance preselection methods for constructing small portfolios
Several contributions in the literature argue that a significant in-sample risk reduction can be obtained by investing in a relatively [...]
The Credit Cycle Outlook
The good times are gone. As public markets wrestle with a perfect storm of macroeconomic risks and difficult national and [...]
26 October 2021
Wiserfunding Co-Founder Dr. Edward Altman at the European Parliament
Dr. Edward Altman at the European Parliament explaining the need for an independent market standard to assess SME Credit Risk [...]
26 October 2021
Interview with Gabriele Sabato, CEO and co-founder
Interview with Gabriele Sabato, CEO and co-founder, at RiskMinds in Barcelona 2021 It was great to see the RiskMinds community back together [...]
19 August 2021
The Value of Non-Financial Information in SME Risk Management
The Basel CapitalAccord and the 2007 financial crisis have provided renewed impetus for lenders to research and develop adequate failure [...]
19 August 2021
Edward Altman: Where Are We in the Credit Cycle?
The Covid-19 health crisis has dramatically affected just about every aspect of the economy, including the transition from a record [...]
The Link between Default and Recovery Rates: effects on the procyclicality of regulatory capital ratios
This paper analyses the impact of various assumptions about the association between aggregate default probabilities and the loss given default [...]
19 July 2021
The link between default and recovery rates: effects on the procyclicality of regulatory capital ratios
BIS Working Papers are written by members of the Monetary and Economic Department of the Bank for International Settlements, and [...]
19 July 2021
New rating agency aims to save European SMEs from worst effects of Basel III
In July, Europe’s first certified credit rating agency for small and medium-sized enterprises (SMEs) was launched, holding out the promise that as [...]
Credit Risk Scoring Models
Credit scoring models play a fundamental role in the risk management practice at most banks. They are used to quantify [...]
Measuring and Managing Credit and Other Risks
During the last 40 years, risk management has evolved tremendously. The technologies and methodologies to measure risks have reached impressive [...]
2 June 2021
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 [...]
19 May 2021
Nimbla and Wiserfunding partner to protect UK SMEs from insolvency
With the number of UK SMEs in significant financial distress reaching over 500,000 due to COVID-19[1], leading invoice insurance provider [...]
19 May 2021
New fintech partnership aims to protect SMEs against insolvent customers
This support SMEs to continue trading, especially since the number of UK SMEs in significant financial distress has reached over [...]
19 May 2021
Managing Credit Risk For Retail Low-Default Portfolios
Low-Default Portfolios (LDPs) form a significant and substantial portion of retail assets at major financial institutions. However, in the literature, [...]
19 April 2021
CEO of Wiserfunding comments on Small Business Survey 2018
Dr. Gabriele Sabato, former head of Risk Appetite Portfolio Decisioning at RBS and CEO, co-founder of Wiserfunding, comments on SME lending in conjunction with [...]
19 April 2021
Z-Score Creator Altman Builds Model for Small Business Defaults
Edward Altman, who created the Z-score method for predicting bankruptcies 50 years ago, has built on the model to assess [...]
Estimating Conservative Loss Given Default
The new Basel Capital Accord (Basel II) is going to be embedded in the risk management practices at many financial [...]
20 March 2021
Father of Z-Scores Discusses Virus Impact on Corporate America
Edward Altman, professor emeritus of finance at New York University Stern School of Business, who is known for his pioneering [...]
11 January 2021
Mastering Risk Management in the Digital Payments Space
Merchant acquirers are faced with a challenging environment and will have to face further risks. The credit risk process needs [...]
13 September 2020
Risk Management, Corporate Governance, and Bank Performance in the Financial Crisis
The recent financial crisis has raised several questions with respect to the corporate governance of financial institutions. This paper investigates [...]
13 September 2020
Modeling Credit Risk For SMEs : Evidence From The US Market
Considering the fundamental role played by small and medium sized enterprises (SMEs) in the economy of many countries and the [...]
13 September 2020
Financial Crisis: Where Did Risk Management Fail?
The real estate market bubble and the subprime mortgages have been often identified as the causes of the current financial [...]
13 September 2020
Effects of the New Basel Capital Accord on Bank Capital Requirements for SMEs
Using data from three countries (US, Italy and Australia) and surveying related studies from several other countries in Europe, [...]
13 September 2020
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 [...]
13 September 2020
Nimbla Teams With Wiserfunding To Safeguard Invoices
U.K. invoice insurance provider Nimbla is teaming up with the credit risk assessment firm Wiserfunding, according to a report in Crowdfund Insider on Friday (May [...]
