Standard data mining focuses on structured data and looks at traditional financial forms such as insurance claims and bank account applications to build a risk profile.
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According to the Federal Reserve, only about one-third of small-business applications for bank lines of credit were approved in 2009.
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The boss of one bank reports that small-business applications are running at around ten a day, down from 250-300 in the good old days.
Melissa Mounce, the company's senior vice president of corporate talent acquisition, says the company became concerned that its slow response time to applications was hurting its retail bank's brand.
Shred information containing sensitive information such as receipts, copies of credit applications, insurance forms, physician statements, bank checks and statements, expired charge cards, convenience checks, and credit offers.
The state-owned Shoko Chukin Bank, which lends to small businesses, said that applications for loans had risen by 72% in the five weeks to December 26th, a sign that private-sector bankers are not meeting the demand.
Dodd says there are "alternatives" to forcing lawmakers to craft last-minute legislation, such as the Treasury making money immediately available to auto companies, or the Fed approving applications from Chrysler Financial and GMAC to become bank holding companies.
He said the scheme Ulster Bank had put in place to compensate customers would not be closed and further applications would be looked at.
At 66 bank branches all across the Special Administrative Region and over the Internet, millions of applications to buy stock in the commuter train monopoly were filled out and filed.
On Sunday, the Fed quickly approved applications filed over the weekend by Goldman Sachs and Morgan Stanley to convert to bank holding companies, ending the modern era of Wall Street banks that operated largely without accountability.
The information gathered by Perfect Citizen could also have applications beyond the critical infrastructure sector, officials said, serving as a data bank that would also help companies and agencies who call upon NSA for help with investigations of cyber attacks, as Google did when it sustained a major attack late last year.
"Someone who applies for a bank-teller position might also be a customer or potential customer, and we were letting those applications fall into a black hole, " she says.
And the rate of applications for loans by small businesses to the market leader in small-business banking, Royal Bank of Scotland, is down a staggering 46% compared with before the 2007-08 financial crash.
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