February 2026
The Donut Hole in Lending
Why Better Outcomes Come From the Credit Risk Analytics Layer
Key takeaways
- Better data and better workflow don’t guarantee better outcomes. The limiting factor is often the capability in between: analytics that translate transaction behavior into underwriting-grade intelligence.
- A credit risk analytics layer strengthens offers and monitoring. It helps teams set more precise, governable approvals, limits, pricing, and terms, then monitor earlier with clearer triggers.
- Deployment is an operating model, not an API call. The paper lays out a practical path to production.
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