However, FICO has touted the usefulness
of alternative data such as rent and utility bill payments in scoring consumers with thin credit files.
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.
Not exact matches
Consumers should also be made aware
of alternatives,
such as WiFi «hot spots» which allow users to send wireless
data for free, the OECD said.
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.
As
such his
alternative has never been put to the test in terms
of experiment,
data, etc..
Such minutes should also document the basis for all determinations and approvals made by the Audit and Risk Committee, including an account
of the consideration
of comparable market
data and
alternative transactions, agreements or arrangements, to the extent considered or available.
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.
It's important to note that the very wealthiest groups in society are much less likely to take part in surveys and so their wealth is under - reported and
alternative sources
of data need to be analysed,
such as HMRC personal wealth statistics.
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.
«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 makes it difficult to interpret many upcoming
data and understand the underlying molecular processes — and this is the case in diverse fields
such as medical research, plant research or the development
of alternative energy sources.
Whereas «meat
alternatives»
such as beans and nuts were associated with a significantly decreased risk
of cancer, consistent with previous
data suggesting a protective effect
of plant protein sources, as well as fruits, vegetables and antioxidants, in produce form, not pill form.
In the mature markets, the
data entry barrier for credit cards seems to be coming down, with the success
of great
alternatives such as Stripe and PayPal, which are now available for dating operators.
We included administrative
data from teacher, parent, and student ratings
of local schools; we considered the potential relationship between vote share and test - score changes over the previous two or three years; we examined the deviation
of precinct test scores from district means; we looked at changes in the percentage
of students who received failing scores on the PACT; we evaluated the relationship between vote share and the percentage change in the percentile scores rather than the raw percentile point changes; and we turned to
alternative measures
of student achievement,
such as SAT scores, exit exams, and graduation rates.
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.
[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.
Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the
Such statements reflect the current views
of Barnes & Noble with respect to future events, the outcome
of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with
data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects
of competition, possible risks that inventory in channels
of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction
of the device business, including possible reduction in sales
of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels
of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate
of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance
of Barnes & Noble's online, digital and other initiatives, the success
of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews
of strategic
alternatives and the potential separation
of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess
of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution
of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing
of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits
of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the
such efforts and associated risks and other factors which may be outside
of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.
Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the effect of the proposed separation of NOOK Media, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the
Such statements reflect the current views
of Barnes & Noble with respect to future events, the outcome
of which is subject to certain risks, including, among others, the effect
of the proposed separation
of NOOK Media, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with
data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects
of competition, possible risks that inventory in channels
of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction
of the device business, including possible reduction in sales
of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels
of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate
of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance
of Barnes & Noble's online, digital and other initiatives, the success
of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews
of strategic
alternatives and the potential separation
of the Company's businesses (including with respect to the timing
of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess
of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution
of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction
of international operations following termination
of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination
of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing
of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits
of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the
such efforts and associated risks and other factors which may be outside
of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.
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.
Data from the new TML study quantify for the first time the potential
of such an integrated approach for the period 2014 - 2020 as follows: 6 per cent reduction for vehicle - related measures across the entire fleet; 2.5 per cent reduction through
alternative fuels; and 13 per cent reduction through operations.
To date, the reluctance and, in some cases, downright refusal to release
such data by prominent AGW scientists is (rightly I believe) cause enough for a healthy dose
of scepticism, before any
alternatives to the AGW explanation —
of which there are many — need even be considered.
One
alternative to using keyword search to select a
data set for review is the use
of an assisted review tool,
such as Relativity Assisted Review.
Speaking during the Commission press conference, EC justice commissioner Vera Jourová noted there are
alternative mechanisms for companies to share
data ahead
of an updated Safe Harbor framework,
such as «standard
data protection clauses in contracts» or «binding corporate rules for transfers within a corporate group».
So, it would be a good idea for researchers to think
of alternative multi-method ways to measure self - compassion, life satisfaction and affect to further confirm our findings,
such as the utilization
of qualitative
data (through calendars, assessments etc) or behavioral measures.
We can expect a more free flow
of this capital into secondary markets;
alternative real estate assets,
such as cell towers, outdoor advertising and other infrastructure; renovation and redevelopment,
such as office space in rehabbed industrial space; and
alternative property types,
such as medical offices, seniors housing,
data centers and lab space, in response to demographic and technology needs.
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.