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News Sentiment Analysis and Credit Risk

Do we still need humans to monitor and interpret qualitative data for our risk models?

Recent technological advances increase the possibility of using qualitative data in risk models to ensure a timelier recognition of threats. News articles, which can be seen as a type of unstructured data, are flooding the world every day. However, one can imagine the time it would take to manually process all this information. Recent developments in natural language processing (NLP) show some very promising results in automating that task by a computer. We assess the possibilities of these recent advances within credit risk management.

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Can machine learning predict the probabilities of default?

According to Moore’s law, computing power doubles up each two years. This performance increase in computing power makes machine learning increasingly efficient each year, and widely applicable. But does this also apply to credit risk issues?

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FINMA update for Swiss banks

Swiss banks must calculate a general loss provision for inherent default.

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Cash Pooling at Insurance Companies

The cash management trend of pooling and centralizing excess cash has been a focus area for most treasury departments over the past decade. The are many benefits to this approach, including gaining a centralized visibility of cash, an improved utilization of funds and the optimization of bank account structures. With this centralization, the aim is to ensure the best utilization of the organization’s cash, typically either paying off credit lines or by making short- or medium-term investments at better rates.

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Incubating innovation

Thanks to exponential technological developments, the world is becoming increasingly connected and accessible, in the broadest sense of the word. This is why running nearly any type of business has become more complex and requires a deeper expertise than ever before. Irrespective of its core business, companies need more expertise in the areas of finance, legal, tax, marketing, IT, as well as treasury and risk. This is all the more reason for Zanders to continuously develop new innovative services and solutions with which we can lend companies a helping hand.

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