{"id":208,"date":"2022-10-10T19:04:09","date_gmt":"2022-10-10T23:04:09","guid":{"rendered":"https:\/\/digitalmarketing.temple.edu\/capstone2022bghjmop\/?page_id=208"},"modified":"2022-10-10T19:04:09","modified_gmt":"2022-10-10T23:04:09","slug":"sources","status":"publish","type":"page","link":"https:\/\/community.mis.temple.edu\/creditvisible\/sources\/","title":{"rendered":"Sources"},"content":{"rendered":"<p><em>About VantageScore<\/em>. (n.d.). VantageScore. Retrieved September 9, 2022, from <u>https:\/\/vantagescore.com\/company\/about-vantagescore\/.<\/u><\/p>\n<p>Auris. (2020, August 13). <em>Genz buyer personas and how to market to them?<\/em> GenY Labs. <a href=\"https:\/\/genylabs.io\/genz-buyer-personas-and-how-to-market-to-them\/\">https:\/\/genylabs.io\/genz-buyer-personas-and-how-to-market-to-them\/<\/a>.<\/p>\n<p>Ballard CFS Group. (2018, September 20).\u00a0<em>The CFPB\u2019s Latest Credit Invisibility Report: What Should We Make of It?<\/em>\u00a0Ballard Spahr LLP.\u00a0<a href=\"https:\/\/www.consumerfinancemonitor.com\/2018\/09\/20\/the-cfpbs-latest-credit-invisibility-report-what-should-we-make-of-it\/\">https:\/\/www.consumerfinancemonitor.com\/2018\/09\/20\/the-cfpbs-latest-credit-invisibility-report-what-should-we-make-of-it\/<\/a>.<\/p>\n<p>Baluch, A. (2020, October 22). <em>What Are the Different Types of Credit Scores? | LendingTree<\/em>. Lending Tree. Retrieved September 9, 2022, from https:\/\/www.lendingtree.com\/credit-repair\/what-are-the-different-types-of-credit-scores\/.<\/p>\n<p>Banks Editorial Team. (2021, June 9).\u00a0<em>VantageScore\u00ae vs. FICO\u00ae Score: Which Is Better?<\/em>\u00a0Banks.com.\u00a0<a href=\"https:\/\/www.banks.com\/articles\/credit\/credit-score\/vantagescore-vs-fico-score\/\">https:\/\/www.banks.com\/articles\/credit\/credit-score\/vantagescore-vs-fico-score\/<\/a>.<\/p>\n<p>Bareham, H., &amp; Bingler, L. (2022, September 30).\u00a0<em>How To Apply For A Credit Card And Get Approved<\/em>. Bankrate.com.\u00a0<a href=\"https:\/\/www.bankrate.com\/finance\/credit-cards\/how-to-apply-for-a-credit-card\/\">https:\/\/www.bankrate.com\/finance\/credit-cards\/how-to-apply-for-a-credit-card\/<\/a>.<\/p>\n<p>Bhole, K., Laughridge, K., &amp; Nareddy, Ram. (2020.)\u00a0<em>Open banking through architecture re-engineering a microservices-based roadmap.<\/em>\u00a0Deloitte.<a href=\"https:\/\/www2.deloitte.com\/content\/dam\/Deloitte\/us\/Documents\/financial-services\/us-enabling-platform-banking-pov.pdf\">\u00a0https:\/\/www2.deloitte.com\/content\/dam\/Deloitte\/us\/Documents\/financial-services\/us-enabling-platform-banking-pov.pdf<\/a>.<\/p>\n<p>Bond, N. (2019, September 19). AUDIENCE STRATEGIES: UNDERSTANDING GEN Z\u00a0 \u00a0 NUANCES. Mintel.<\/p>\n<p>Boyd, M. (2020, 30 January).\u00a0<em>Digital Finance APIs Come with Risks \u2013 Here\u2019s One Way to Manage Them.<\/em>\u00a0CGAP.org.\u00a0<a href=\"https:\/\/www.cgap.org\/blog\/digital-finance-apis-come-risks-heres-one-way-manage-them\">https:\/\/www.cgap.org\/blog\/digital-finance-apis-come-risks-heres-one-way-manage-them<\/a>.<\/p>\n<p>Brevoort, K., Grimm, P., &amp; Kambara, M. (2015 May).\u00a0<em>Data Point: Credit Invisibles<\/em>. Consumer Financial Protection Bureau. https:\/\/files.consumerfinance.gov\/f\/201505_cfpb_data-point-credit-invisibles.pdf.<\/p>\n<p>DeNicola, L. (2022, May 19). <em>What Is a FICO Score?<\/em> Credit Karma. Retrieved September 9, 2022, from <u>https:\/\/www.creditkarma.com\/credit-cards\/i\/what-is-fico-score<\/u><\/p>\n<p>Dixon, A. (2017, October 23).\u00a0<em>Survey Finds Americans Stay Married To Banks For Many Many Years<\/em>. Bankrate.\u00a0<a href=\"https:\/\/www.bankrate.com\/banking\/best-banks-consumer-survey\/\">https:\/\/www.bankrate.com\/banking\/best-banks-consumer-survey\/<\/a>.<\/p>\n<p>Dolgorukov, D. (2022, 28 July).\u00a0<em>How Gen Zers Are Choosing Their Financial Services Provider And Why This Matters.<\/em>\u00a0Forbes.\u00a0<a href=\"https:\/\/www.forbes.com\/sites\/forbesfinancecouncil\/2022\/07\/28\/how-gen-zers-are-choosing-their-financial-services-provider-and-why-this-matters\/?sh=75b864b421ee\">https:\/\/www.forbes.com\/sites\/forbesfinancecouncil\/2022\/07\/28\/how-gen-zers-are-choosing-their-financial-services-provider-and-why-this-matters\/?sh=75b864b421ee<\/a>.<\/p>\n<p>Ellering, N. (2022, August 9).\u00a0<em>18 Marketing Channels: Types &amp; Examples To Help You Choose Yours<\/em>. CoSchedule Blog. Retrieved October 27, 2022, from\u00a0<a href=\"https:\/\/coschedule.com\/marketing-strategy\/marketing-channels\">https:\/\/coschedule.com\/marketing-strategy\/marketing-channels<\/a>.<\/p>\n<p>EVERFI. (2021, May 18).\u00a0<em>Gen Z Marketing Strategies for Banks: EVERFI Financial Education<\/em>. EVERFI.\u00a0<a href=\"https:\/\/everfi.com\/blog\/financial-education\/3-strategies-to-attract-gen-z-to-your-bank\/\">https:\/\/everfi.com\/blog\/financial-education\/3-strategies-to-attract-gen-z-to-your-bank\/<\/a>.<\/p>\n<p>Fay, B. (2021, December 16).\u00a0<em>What is a Credit Score &amp; How is it Calculated?\u00a0<\/em>Debt.org.\u00a0<a href=\"https:\/\/www.debt.org\/credit\/report\/scoring-models\/\">https:\/\/www.debt.org\/credit\/report\/scoring-models\/<\/a>.<\/p>\n<p>FICO. (n.d.)\u00a0<em>About Us<\/em>. FICO.\u00a0<a href=\"https:\/\/www.fico.com\/en\/about-us\">https:\/\/www.fico.com\/en\/about-us<\/a>.<\/p>\n<p><em>FICO Score | FICO Credit Score<\/em>. (n.d.). FICO. Retrieved September 9, 2022, from <a href=\"https:\/\/www.fico.com\/en\/products\/fico-score\">https:\/\/www.fico.com\/en\/products\/fico-score<\/a><\/p>\n<p>Lake, R. (n.d.). <em>FICO Credit Scores Explained<\/em>. Investopedia. Retrieved September 9, 2022, from <u>https:\/\/www.investopedia.com\/fico-credit-scores-explained-5072985<\/u><\/p>\n<p>Forsey, C. (2022, June 17).\u00a0<em>9 Creative Company Profile Examples to Inspire You [Templates]<\/em>. HubSpot.\u00a0<a href=\"https:\/\/blog.hubspot.com\/marketing\/company-profile\">https:\/\/blog.hubspot.com\/marketing\/company-profile<\/a>.<\/p>\n<p>Forsey, C. (2021, November 1). <em>What is a Brand Personality, According to Marketers Who\u2019ve Developed Them. <\/em>Hubspot. <a href=\"https:\/\/blog.hubspot.com\/marketing\/what-is-brand-personality\">https:\/\/blog.hubspot.com\/marketing\/what-is-brand-personality<\/a>.<\/p>\n<p>Froehlich, N. (2022, January 12).\u00a0<em>Understanding The Differences In Mobile App Use Across Generations<\/em>. Forbes.\u00a0<a href=\"https:\/\/www.forbes.com\/sites\/forbestechcouncil\/2022\/01\/12\/understanding-the-differences-in-mobile-app-use-across-generations\/?sh=22607ec81d18\">https:\/\/www.forbes.com\/sites\/forbestechcouncil\/2022\/01\/12\/understanding-the-differences-in-mobile-app-use-across-generations\/?sh=22607ec81d18.<\/a><\/p>\n<p>Gailey, A. (2022, September 9).\u00a0<em>The U.S. Credit System Is Failing Millions of Americans. Here\u2019s What You Can Do About It.\u00a0<\/em>NextAdvisor.\u00a0<a href=\"https:\/\/time.com\/nextadvisor\/credit-cards\/credit-system-fails-underprivileged-communities\/\">https:\/\/time.com\/nextadvisor\/credit-cards\/credit-system-fails-underprivileged-communities\/<\/a>.<\/p>\n<p>Gellerman, E. (2021, October 24).\u00a0<em>What is the average credit score?\u00a0<\/em>Credit Karma. Retrieved October 30, 2022, from\u00a0<a href=\"https:\/\/www.creditkarma.com\/advice\/i\/what-is-the-average-credit-score\">https:\/\/www.creditkarma.com\/advice\/i\/what-is-the-average-credit-score<\/a>.<\/p>\n<p>Glazer, E. (2009, September 14).\u00a0<em>School-based bank partnerships are lucrative, but students end up paying<\/em>. The Pitt News.\u00a0<a href=\"https:\/\/pittnews.com\/article\/20684\/archives\/school-based-bank-partnerships-are-lucrative-but-students-end-up-paying\/\">https:\/\/pittnews.com\/article\/20684\/archives\/school-based-bank-partnerships-are-lucrative-but-students-end-up-paying\/<\/a>.<\/p>\n<p>Gravier, E. (2022, 24 May)\u00a0<em>The average credit score for Gen Zers rose by 13 points last year\u2014here\u2019s why their scores went up.<\/em>\u00a0CNBC.\u00a0<a href=\"https:\/\/www.cnbc.com\/select\/experian-state-of-credit-report-gen-z\/\">https:\/\/www.cnbc.com\/select\/experian-state-of-credit-report-gen-z\/<\/a>.<\/p>\n<p>Gustec, S. (2021, February 11). <em>13 benefits of mobile apps for business You need to know<\/em>. Decode. <a href=\"https:\/\/decode.agency\/article\/benefits-mobile-apps-business\/\">https:\/\/decode.agency\/article\/benefits-mobile-apps-business\/<\/a>.<\/p>\n<p>Hill, C. (2022, September 28). <em>What you need to know to create a social media budget. <\/em>SproutSocial. <a href=\"https:\/\/sproutsocial.com\/insights\/social-media-budget\/\">https:\/\/sproutsocial.com\/insights\/social-media-budget\/<\/a><\/p>\n<p>Johnson, M. (2022, February 9).\u00a0<em>How to Increase Gen Z Approvals at Account Opening<\/em>. Socure.\u00a0<a href=\"https:\/\/www.socure.com\/blog\/how-to-increase-gen-z-approvals-at-account-opening\">https:\/\/www.socure.com\/blog\/how-to-increase-gen-z-approvals-at-account-opening<\/a>.<\/p>\n<p>Kee, L. (2022, 14 June).\u00a0<em>Why the U.S. Open Banking Snag Is Only Temporary.\u00a0<\/em><a href=\"https:\/\/www.forbes.com\/sites\/forbestechcouncil\/2022\/06\/14\/why-the-us-open-banking-snag-is-only-temporary\/?sh=6f1bd2bd2fe5\">https:\/\/www.forbes.com\/sites\/forbestechcouncil\/2022\/06\/14\/why-the-us-open-banking-snag-is-only-temporary\/?sh=6f1bd2bd2fe5.<\/a><\/p>\n<p>King, M. (2021, 13 January).\u00a0<em>Are Financial Services Ready for Gen Z?<\/em>\u00a0Finextra.\u00a0<a href=\"https:\/\/www.finextra.com\/blogposting\/21916\/are-financial-services-ready-for-gen-z\">https:\/\/www.finextra.com\/blogposting\/21916\/are-financial-services-ready-for-gen-z<\/a>.<\/p>\n<p>Ladnik, V. (2019, 20 February).\u00a0<em>Microservices: From REST to Thrift and GraphQL.<\/em>\u00a0Credit Karma.\u00a0<a href=\"https:\/\/engineering.creditkarma.com\/microservices-from-rest-to-thrift-and-graphql\">https:\/\/engineering.creditkarma.com\/microservices-from-rest-to-thrift-and-graphql<\/a>.<\/p>\n<p>Lott, D. (2022, 6 June)\u00a0<em>Potential Change Could Affect US Consumers\u2019 Financial Data.<\/em>\u00a0Federal Reserve Bank of Atlanta.\u00a0<a href=\"https:\/\/www.atlantafed.org\/blogs\/take-on-payments\/2022\/06\/06\/american-consumers-may-soon-have-open-banking\">https:\/\/www.atlantafed.org\/blogs\/take-on-payments\/2022\/06\/06\/american-consumers-may-soon-have-open-banking<\/a>.<\/p>\n<p>Martin, M. (2022, August 30). <em>24 Gen Z Statistics That Matter to Marketers in 2022<\/em>. Hootsuite Blog. <a href=\"https:\/\/blog.hootsuite.com\/gen-z-statistics\/\">https:\/\/blog.hootsuite.com\/gen-z-statistics\/<\/a><\/p>\n<p>McLachlan, S. (2020, August 14). <em>10 Tips for Creating Effective Google Ads on a Small Budget.<\/em> Hootsuite. <a href=\"https:\/\/blog.hootsuite.com\/google-ads-small-budget\/\">https:\/\/blog.hootsuite.com\/google-ads-small-budget\/<\/a><\/p>\n<p>NCR. (2022, 25 March).\u00a0<em>What do Gen Z consumers want from financial institutions.\u00a0<\/em><a href=\"https:\/\/www.ncr.com\/blogs\/banking\/gen-z-consumers-financial-needs\">https:\/\/www.ncr.com\/blogs\/banking\/gen-z-consumers-financial-needs<\/a>.<\/p>\n<p>Newberry, C. (2021, August 31). <em>How to Create a Social Media Budget for Every Size of Business. <\/em>Hootsuite. <a href=\"https:\/\/blog.hootsuite.com\/the-7-components-of-every-social-media-budget\/\">https:\/\/blog.hootsuite.com\/the-7-components-of-every-social-media-budget\/<\/a><\/p>\n<p>Owen County State Bank. (2017, October 12).\u00a0<em>Why it\u2019s Better to Use a Small Bank<\/em>. 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(2022, 15 April).\u00a0<em>How open banking and bank APIs are boosting fintech growth.\u00a0<\/em><a href=\"https:\/\/www.insiderintelligence.com\/insights\/open-banking-api-trends-explained\/#:~:text=Open%20banking%20is%20a%20system,develop%20new%20apps%20and%20services\">https:\/\/www.insiderintelligence.com\/insights\/open-banking-api-trends-explained\/#:~:text=Open%20banking%20is%20a%20system,develop%20new%20apps%20and%20services<\/a>.<\/p>\n<p>Push, A. (2022, September 26).\u00a0\u00a0<em>Raising a Fair Credit Score to Very Good Could Save Borrowers Nearly $50,000.\u00a0<\/em>lendingtree.\u00a0<a href=\"https:\/\/www.lendingtree.com\/personal\/study-raising-credit-score-saves-money\/\">https:\/\/www.lendingtree.com\/personal\/study-raising-credit-score-saves-money\/<\/a>.<\/p>\n<p>Rifkin, Rebecca and Jalajel, Areen. <em>Customers Want Banks to Improve Their Financial Well-Being (gallup.com<\/em>).\u00a0Retrieved September 9, 2022, from <a href=\"https:\/\/news.gallup.com\/businessjournal\/183419\/customers-banks-improve-financial.aspx\">https:\/\/news.gallup.com\/businessjournal\/183419\/customers-banks-improve-financial.aspx<\/a><\/p>\n<p>Shift. (2021, August)\u00a0<em>Credit Score Statistics<\/em>.\u00a0<a href=\"https:\/\/shiftprocessing.com\/credit-score\/#generation\">https:\/\/shiftprocessing.com\/credit-score\/#generation<\/a>.<\/p>\n<p>Srinivas, V., Schoeps, J., &amp; Jain, A. (2019).\u00a0<em>Executing the open banking strategy in the United States: Engaging with consumers in the journey.\u00a0<\/em><a href=\"https:\/\/www2.deloitte.com\/content\/dam\/insights\/us\/articles\/5076_open-banking\/DI_Open-banking.pdf\">https:\/\/www2.deloitte.com\/content\/dam\/insights\/us\/articles\/5076_open-banking\/DI_Open-banking.pdf<\/a>.<\/p>\n<p>Thimothy, S. (2021, April 12). <em>How To Create a Memorable Brand Persona. <\/em>Forbes. <a href=\"https:\/\/www.forbes.com\/sites\/theyec\/2021\/04\/12\/how-to-create-a-memorable-brand-persona\/?sh=4cb2ed455e4c\">https:\/\/www.forbes.com\/sites\/theyec\/2021\/04\/12\/how-to-create-a-memorable-brand-persona\/<\/a>.<\/p>\n<p>VantageScore. (n.d.).\u00a0<em>Consumer Credit Insights<\/em>. VantageScore.\u00a0<a href=\"https:\/\/vantagescore.com\/consumers\/tools\/consumer-credit-insights\/#charts\">https:\/\/vantagescore.com\/consumers\/tools\/consumer-credit-insights\/#charts<\/a>.<\/p>\n<p>Walden, S. (2022, 25 July).\u00a0<em>What is Fintech?\u00a0<\/em><a href=\"https:\/\/www.forbes.com\/advisor\/banking\/what-is-fintech\/\">https:\/\/www.forbes.com\/advisor\/banking\/what-is-fintech\/<\/a>.<\/p>\n<p><em>What is a FICO\u00ae Score, How is It Calculated<\/em>. (n.d.). Equifax. Retrieved September 9, 2022, from <a href=\"https:\/\/www.equifax.com\/personal\/education\/credit\/score\/what-is-a-fico-score\/\">https:\/\/www.equifax.com\/personal\/education\/credit\/score\/what-is-a-fico-score\/<\/a><\/p>\n<p>White, A. (2022, August 2).\u00a0<em>50% of Gen Z has a credit card and a prime credit score\u2014and they\u2019re more credit active than millennials were<\/em>. CNBC.\u00a0<a href=\"https:\/\/www.cnbc.com\/select\/gen-z-credit-habits\/\">https:\/\/www.cnbc.com\/select\/gen-z-credit-habits\/<\/a>.<\/p>\n<p>ZipRecruiter. (2022, October 29). <em>How Much Do Contract Instructional Designer Jobs Pay per Hour?<\/em> Retrieved November 13, 2022, from<\/p>\n<p><a href=\"https:\/\/www.ziprecruiter.com\/Salaries\/Contract-Instructional-Designer-Salary-per-Hour\">https:\/\/www.ziprecruiter.com\/Salaries\/Contract-Instructional-Designer-Salary-per-Hour<\/a><\/p>\n<p>ZipRecruiter. (2022, October 29). <em>How Much Do Entry Level Front End Web Developer Jobs Pay per Hour? <\/em>Retrieved November 13, 2022, from <a href=\"https:\/\/www.ziprecruiter.com\/Salaries\/Entry-Level-Front-End-Web-Developer-Salary-per-Hour\">https:\/\/www.ziprecruiter.com\/Salaries\/Entry-Level-Front-End-Web-Developer-Salary-per-Hour<\/a><\/p>\n<p>ZipRecruiter. (2022, October 29). <em>Regulatory Counsel Salary in District of Columbia. <\/em>Retrieved November 13, 2022, from \u200b\u200b<a href=\"https:\/\/www.ziprecruiter.com\/Salaries\/Regulatory-Counsel-Salary--in-District-of-Columbia#:~:text=As%20of%20Oct%2020%2C%202022,be%20approximately%20%2466.83%20an%20hour\">https:\/\/www.ziprecruiter.com\/Salaries\/Regulatory-Counsel-Salary&#8211;in-District-of-Columbia#:~:text=As%20of%20Oct%2020%2C%202022,be%20approximately%20%2466.83%20an%20hour<\/a>.<\/p>\n<div class=\"sharedaddy sd-sharing-enabled\">\n<div class=\"robots-nocontent sd-block sd-social sd-social-icon sd-sharing\">\n<h3 class=\"sd-title\">Share:<\/h3>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>About VantageScore. (n.d.). VantageScore. Retrieved September 9, 2022, from https:\/\/vantagescore.com\/company\/about-vantagescore\/. Auris. (2020, August 13). Genz buyer personas and how to market to them? GenY Labs. https:\/\/genylabs.io\/genz-buyer-personas-and-how-to-market-to-them\/. Ballard CFS Group. (2018, September 20).\u00a0The CFPB\u2019s Latest Credit Invisibility Report: What Should We Make of It?\u00a0Ballard Spahr LLP.\u00a0https:\/\/www.consumerfinancemonitor.com\/2018\/09\/20\/the-cfpbs-latest-credit-invisibility-report-what-should-we-make-of-it\/. Baluch, A. (2020, October 22). What Are the Different Types [&hellip;]<\/p>\n","protected":false},"author":4472,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-208","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/community.mis.temple.edu\/creditvisible\/wp-json\/wp\/v2\/pages\/208","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/community.mis.temple.edu\/creditvisible\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/community.mis.temple.edu\/creditvisible\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/community.mis.temple.edu\/creditvisible\/wp-json\/wp\/v2\/users\/4472"}],"replies":[{"embeddable":true,"href":"https:\/\/community.mis.temple.edu\/creditvisible\/wp-json\/wp\/v2\/comments?post=208"}],"version-history":[{"count":0,"href":"https:\/\/community.mis.temple.edu\/creditvisible\/wp-json\/wp\/v2\/pages\/208\/revisions"}],"wp:attachment":[{"href":"https:\/\/community.mis.temple.edu\/creditvisible\/wp-json\/wp\/v2\/media?parent=208"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}