Understanding borrower priorities helps you build a stronger portfolio
This guide shows how financial stress drives loan defaults, how behavioral finance can inform your lending strategy and how payment protection products for financial institutions can protect both your portfolio and your borrowers.
See how this framework can support your lending strategy
A clear look at financial priorities
Learn the real-world order in which borrowers allocate their limited income when times get tough.
Why borrowers miss payments
See why missed loan payments are often a rational choice — and what it means for your lending approach.
Designing empathetic lending strategies
Discover how aligning with borrower priorities can build trust and improve long-term portfolio health.
Reducing charge-offs through insight
Apply the framework to reduce losses and maintain stronger borrower relationships in difficult times.
The role of payment protection
Understand how payment protection products can meet borrowers where they are and strengthen resilience.