January 2024

Blog - Document Quality Decline Among Seniors and African Americans

Document Quality Decline Among Seniors and African Americans can lead to greater friction in the loan approval process

Over the last 20 months, there’s been a noticeable decline in lending verification document quality – disproportionately affecting senior citizens and African Americans. According to Informed’s Data Consortium, senior citizens are 1.4 times more likely to upload poor quality documents and African Americans are 1.1 times more likely. This statistical variation suggests a potential correlation […]

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The Case for Vertical AI Models

AI researchers from Google, Berkeley, and other universities recently engineered what they described as a “silly attack” on Chat-GPT. They asked the model to repeat the word “poem” forever, which caused the model to emit large quantities of its training data, including names, email, physical addresses, phone numbers and other personal information (PII).   Though superficially

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Voluntary Protection Products: Do males and females get the same deal?

AI-generated image from Midjourney . Voluntary Protection Products Blog. [This is the 2nd installment in a multi-part series on voluntary protection products. You can see the previous post here]  Voluntary Protection Products Many car buyers supplement their car purchases with voluntary protection products (VPPs) like maintenance plans, appearance protection, and anti-theft devices. Informed conducted research to

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The Impact of Rising Trade-In Allowances and Electric Vehicle Adoption on Auto Finance

AI-generated image from Midjourney representing professionals at a car dealership Driven by environmental concerns and technological advancements, the automotive industry has witnessed a significant shift towards electric vehicles (EVs) in recent years. Vehicle trade-in allowances have also been rising, encouraging more people to trade in their older, gas-guzzling vehicles for eco-friendly EVs.  Through Informed’s Data

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