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!

  • 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 [...]

  • 7 February 2024

    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 [...]

  • 7 February 2024

    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 [...]

  • 2 February 2024

    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 [...]

  • 2 February 2024

    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 [...]

  • 2 February 2024

    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 [...]

  • KUKE and Wiserfunding partners

    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 [...]

  • wiserfund

    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 [...]

  • KUKE and Wiserfunding partners

    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 [...]

  • wisefunding

    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 [...]

  • wiserfund

    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 [...]

  • wiserfund

    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 [...]

  • Wiserfunding Export Finance Blog post

    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 [...]

  • wiserfund

    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 [...]

  • 26 October 2021

    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 [...]

  • 19 July 2021

    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 [...]

  • 19 June 2021

    Credit Risk Scoring Models

    Credit scoring models play a fundamental role in the risk management practice at most banks. They are used to quantify [...]

  • 19 June 2021

    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 [...]

  • 19 April 2021

    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 [...]