Sentences with phrase «use of alternative data»

Use of alternative data in traditional credit scoring would help consumers access the banking system and lower their cost of credit.

Though FICO is more widely used, a greater number of financial institutions are turning to VantageScore due to its use of alternative data.

The use of alternative data and scoring to bring credit - underserved individuals into the mainstream credit market offers benefits for both lenders and borrowers.

Not exact matches

In 2003 he and the same friends thought they could make a free alternative to dating sites eHarmony and Match.com, so they created OkCupid, which pioneered the use of data mining in online dating.

Dr. Sean Khozin, one of the authors on the study and a senior medical officer at the FDA, told Business Insider that Flatiron is just one of many companies the agency is working with to check out how alternative sources of data can be used to better inform the agency.

It also offers specific policy recommendations including providing tax credits to promote venture capital investments in minority businesses, as well as tax credits for new low - income entrepreneurs, and encouraging the use by credit rating agencies of alternative data such as rent and utility payments in establishing credit histories.

Babineau and cofounder Lillian Chou started digging into all of the alternative data sources hedge fund managers use, from LinkedIn scrapes to forecast layoffs or watching Google trends.

FICO, the company that created one of the most widely used credit - scoring systems in the U.S., recently announced it was starting a pilot program to increase the number of consumers who could be assigned a credit score based on alternative data, such as utility and phone bills.

While some satellite communications providers are exploring the possibility of «moving on up» to higher - frequency RF bands, like the less - crowded V band, there is another alternative: Skip the RF spectrum altogether and use lasers to downlink big data.

We've been consulting with clients on a variety of ways to extract keyword insight from ranked web pages, treating historical and limited keyword data as a sample and using alternative feedback in order to optimize search marketing performance.

The events utilize a One - on - One meeting format to introduce Alternative data providers in multiple categories like Satellite imagery, Geolocation, Sentiment, Pricing, Internet of Things (IOT) and many more, to investment firms looking to use alternative data in their researAlternative data providers in multiple categories like Satellite imagery, Geolocation, Sentiment, Pricing, Internet of Things (IOT) and many more, to investment firms looking to use alternative data in their researalternative data in their research process.

Analysts should use alternative data as a fundamental snapshot of what is happening underneath the hood, understand category and unit level trends.

The aim of our study was to determine firstly, whether a retrospective linked data study was a viable alternative to such a design using routinely collected data in one Australian state and secondly, to report on the outcomes and interventions for women (and their babies) who planned to give birth in a hospital labour ward, birth centre or at home.

Because school districts using CEP no longer collect meal applications at all schools, states have developed alternative data sources for assessing the poverty level of schools.

The survey interviewed 100 individuals using an alternative data collection method, called the Washington Group Short Set of Questions.

Web firms can't stop using fibres to coordinate their data centres, as alternative technologies such as microwave links are too expensive or unreliable, says Alan Mauldin of TeleGeography, a telecommunications research firm based in San Diego, California.

Replacement alternative methods include the use of data concerning the physicochemical properties of chemicals; predictions based on structure - activity relationships, including the use of qualitative and quantitative mathematical models; the biokinetic modelling of physiological, pharmacological, and toxicological processes; experiments on lower organisms not classed as?

These important new data support the use of joint fluid as a readily available alternative to study the role of these changes in the onset of joint disease and in the clinical management of this condition.

Susan Gould Fogerite, director of research for the Institute for Complementary and Alternative Medicine in the School of Health Related Professions, said that although there is widespread evidence that yoga is being used as a form of exercise by those with MS, much of the feedback has been anecdotal and there isn't much empirical data regarding its safety and efficacy.

Using data collected primarily by the UN's Food and Agriculture Organization, scientists have compared the environmental impacts of conventional meat production with those of alternative sources of food.

«We don't have human data yet, but these findings strongly suggest some alternative ways of giving a very commonly used drug in a manner that doesn't harm, but in fact helps muscle,» said lead investigator Dr. Elizabeth McNally, the Elizabeth J. Ward Professor of Genetic Medicine at Northwestern University Feinberg School of Medicine and a Northwestern Medicine physician.

«Although laboratory tests can predict effects in the field, care should be taken when using the lab data for 303 (d) listing if alternative field data indicate that the organisms of concern are not affected by the constituent of concern, such as pyrethroids,» said Stephen Clark, lead author of the Environmental Toxicology and Chemistry study.

But, Dawid notes, physicists have begun to use purely theoretical factors, such as the internal consistency of a theory or the absence of credible alternatives, to update estimates, instead of basing those revisions on actual data.

This result was similar to recently published data from the Egli lab in New York, which used an alternative technique, that of maternal spindle transfer or MST in eggs prior to fertilization, where they also had one aberrant ES cell line where this occurred (out of 8).

Clinical Trials Research and Billing First in Human / Early Phase PET in Oncology Case - Based Dose Reduction in Pediatric Nuclear Medicine: Practical and Necessary Radioiodine Therapy for Hyperthyroidism: The State of the Art Spondylodiscitis: Role of Imaging for Diagnosis and Monitoring Treatment Response Current Status and Future Prospects: PET and SPECT Instrumentation Alternative Payment Models and Value - Based Health Care: Nuts and Bolts Maximal Tolerated Activity of Radioactive Iodine for Metastatic Thyroid Cancer Teaching Old Radiopharmaceuticals New Tricks Intraoperative Detection Devices and Probes Molecular Imaging of Lung Inflammation Standardization of Advanced PET / SPECT Data Acquisition and Analysis Thyroid Cancer Management: Novel Therapeutics and Management Options Targeting Radionuclide Therapy in Various Non-Malignant Arthritic Conditions Using Radiosynoviorthesis (RSO) Are You Prepared for a Radiation Accident?

The relationship between an athlete personal best in competition and back squat, bench press and power clean 1RM was determined via general linear model polynomial contrast analysis and regression for a group of 53 collegiate elite level throwers (24 males and 29 females); data analysis showed significant linear and quadratic trends for distance and 1RM power clean for both male (linear: p ≤ 0.001, quadratic: p ≤ 0.003) and female (linear: p ≤ 0.001, quadratic: p = 0.001) suggesting how the use of Olympic - style weightlifting movements — the clean, in this particular case, but more in general explosive, fast, athletic - like movements — can be a much better alternative for sport - specific testing for shot putters (Judge, et al, 2013).

When an organization uses managed hosting, they benefit from being able to upgrade their data needs at a fraction of the alternative cost.

With respect to SEAs» possible use of FRPL data to adjust USED allocations for some of their LEAs due to recent boundary changes, creation of new LEAs, or for the allocation of Title I funds to charter schools treated as separate LEAs under state law, USED's policy guidance would allow use of any of the alternatives to FRPL data for CEP schools discussed above.

LEAs may use for this purpose either the same source of data used to select and allocate funds among public schools (i.e., usually free or free and reduced - price school lunch data) or one of a specified range of alternatives, such as data from an income survey of private school families, private school scholarship applications, or estimates based on the assumption that the percentage of students attending a private school who are from low - income families is the same as that for public school students who reside in the same geographic area.

For allocating state or local funds to districts or schools, alternative data can be used in lieu of the income data collected on school meal applications.

[26] Schools participating in CEP that no longer collect such data must now use alternative measures to meet Title I's eligibility and reporting requirements, such as a combination of household applications and direct certification.

[20] USED's March 2015 revised policy guidance lists several alternative sources of data that states and LEAs may use for selection of Title I schools and allocating funds among them.

As states and districts across the country aim to create a robust set of educational options including alternative settings, they must be able to effectively collect and use the most relevant and reliable data to develop accountability systems.

Using the data, we created «Alternative GCSE Tables», pictured right, to show the ten schools with the highest percentage of disadvantaged pupils achieving the five GCSE benchmark.

These factors include the congruence of sources of evidence with the prior beliefs of decision - makers, the content knowledge of individuals using data to advocate alternative views, organizational structures that inhibit or promote shared understanding of instructional matters, resource constraints, and the micropolitics of authority and power in decision - making processes.

Presenter: John Foster, NOCTI The NRCCTE is developing two professional development models focused on improving secondary CTE that address: supporting teachers entering the profession through alternative routes and the use of technical assessment data to drive instructional improvement and student achievement.

She is also «pleased to report that we are looking at whether our [malpractice] reporting should be extended to the full range of qualifications we regulate, not just those used as alternatives to GCSE and A levels, like the Pre-U», and said Ofqual is looking at how and when data collection issues surrounding the plan can be addressed.

«If they will use state test data in evaluations — and if so, how — or opt for another alternative to comprise the 22.5 percent of a teacher's evaluation that must include state standardized tests measuring student learning.»

Among Losen's recommendations for the district are more regular monitoring of disaggregated data on identification, placement, and disciplinary action; training of adults in multi-cultural competence; and the use of intermediate interventions before special education placement and of alternatives to suspension (e.g., restorative practices).

The State Board of Education will use the teacher performance data contained in Tennessee's teacher training report card to determine the renewal or closure of alternative teacher education programs.

Nathan Dadey focuses on using psychometric and statistical methods to address practical problems, including issues related to combining interim assessment data, dimensionality of alternative assessments, subscores, and vertical scales.

The NRCCTE is developing two professional development models focused on improving secondary CTE that address: supporting teachers entering the profession through alternative routes and the use of technical assessment data to drive instructional improvement and student achievement.

There is the potential for some data to not be easily imported into a format that Yahoo! Finance uses would be my guess for why some data may be missing though an alternative explanation for some companies would be that they may not have been around for a long enough time period to report this information, e.g. if the company is a spin - off of an existing company.

«There's an unfairness to this, which can be reduced with the use of alternative credit scoring, and today's Big Data solutions make the data needed to create this scoring readily available.&raData solutions make the data needed to create this scoring readily available.&radata needed to create this scoring readily available.»

Use of «Alternative Data»: This includes tradelines that have recently been included in the credit report mix, like utility and rent payments, that demonstrate positive financial action.

Moreover, a recent LexisNexis survey found that 81 % of consumers who are unscorable using traditional credit bureau methods are scorable using alternative data.

This could spur lenders» use of alternative credit data.

For instance, in order to assess the credit score of people with limited credit history, VantageScore uses alternative data by factoring in reoccurring payments such as utilities, rent or phone bills into its scoring formula.

However, some consumer groups, which initially supported the thrust of the bill and using alternative data to score more borrowers, have cooled on the measure because the FHFA is already exploring alternative credit models.

Today, FICO is also responsibly using new, alternative data sources outside of the credit bureaus to expand access to credit for more and more Americans.