Banks Risk Missing the Subprime Consumer Comeback Story

Subprime consumers are navigating the credit markets through a mix of installments, informal borrowing and carefully managed payment behavior that traditional scoring models do not always capture. PYMNTS Intelligence data on the behavioral profiles of subprime consumers argues that the subprime population represents a durable and identifiable segment of roughly 44 million U.S. adults, rather than a temporary byproduct of economic pressure.