Canaries in the column? AI exposure and the UK’s hiring slowdown – Bank Underground
Haley Schlicht
From Silicon Valley executives promising to automate white-collar work to headlines claiming AI is foreclosing the graduate entry market, the strained ‘low...
using machine learning to segment UK mortgages – Bank Underground
Joe Grimshaw
Who are the UK’s mortgage borrowers, and how do their characteristics differ? Despite extensive literature on mortgage profiles, loan-level segmentation remains limited,...
Credit constraints and housing market access – Bank Underground
Belinda Tracey and Neeltje van Horen
The Help-to-Buy (HTB) programme introduced in 2013 reopened the 95% loan to value (LTV) segment of the UK...
evidence from Covid-era border closures – Bank Underground
John Lewis
Covid travel restrictions limited movement of people but also made cross-border goods trade more difficult. Â Did this contribute to the fall in...
How Mergers Impact New Hampshire Customerss
Contents:On the surface, bank mergers might seem like an expansion of financial services to communities. The reality is it’s not as beneficial as...
do popular methods deliver on their promises? – Bank Underground
Ivona Cickovic and Andrea Serafino
Machine learning models are increasingly used in organisational decision-making, yet their inner workings often remain opaque. When these systems...