Bank Automation News

No products in the cart.

Subscribe
  • News
  • Data
  • Transactions
  • Events
    • Bank Automation Summit
    • Apply to Speak
    • Apply to Demo
  • Podcast
  • WEBINARS
    • Upcoming Webinar: Breaking the API Dependency Bottleneck in Financial Services presented by Ally Financial & WireMock
    • Webinar Library
Log In
No Result
View All Result
  • AI
  • Business Banking
  • Core
  • Cloud
  • Crypto
  • Payments
  • Retail Banking
  • Risk & Security
Bank Automation News
  • News
  • Data
  • Transactions
  • Events
    • Bank Automation Summit
    • Apply to Speak
    • Apply to Demo
  • Podcast
  • WEBINARS
    • Upcoming Webinar: Breaking the API Dependency Bottleneck in Financial Services presented by Ally Financial & WireMock
    • Webinar Library
BAN PLUS
Log In
No Result
View All Result
Bank Automation News
No Result
View All Result

Podcast: Deploying AI in underwriting

Listen as ‘The Buzz’ speaks with Zest AI CEO Mike de Vere

Whitney McDonaldbyWhitney McDonald
January 4, 2024
in AI
Reading Time: 14 mins read
0
Share on Facebook

Eight in 10 credit union execs are looking to AI to enhance their underwriting capabilities. 

According to credit underwriting software provider Zest AI Chief Executive Mike de Vere, deploying AI can make for: 

  • Faster and more accurate decisioning; 
  • Increased community reach; and   
  • Smarter lending decisions. 

Credit union executives “said they would like to deploy AI within underwriting because of the impact it would have on their balance sheets as well as their members,” de Vere tells Bank Automation News on this episode of “The Buzz” podcast. 

Zest AI’s underwriting technology allows financial institutions to assess loan decisions using richer data and insights through AI, de Vere said, noting that members “are more than a number.” 

With the technology, FIs can lend to consumers in a smart, inclusive and efficient way, he said. 

Zest AI was founded in 2009 and has bank and credit union clients including $1.2 billion Credit Union West, $1.3 billion First Service Credit Union and $4.7 billion Truliant Federal Credit Union.

Listen as de Vere tells how credit unions are improving the underwriting process with AI. 

Get ready for the Bank Automation Summit U.S. 2024 in Nashville on March 18-19! Discover the latest advancements in AI and automation in banking. Register now.

Subscribe to The Buzz Podcast on  iTunes, Spotify, Google podcasts, or download the episode. 

The following is a transcript generated by AI technology that has been lightly edited but still contains errors.

Whitney McDonald 0:02
Hello and welcome to the buzz of bank automation news podcast. My name is Whitney McDonald and I’m the editor of bank automation News. Today is January 4 2024. Happy New Year. Joining me is Sai CEO Mike de Vere. He is here to discuss how AI is improving the decisioning and lending experience for financial institutions, as financial institutions look to serve their entire communities and lean on automation to make smart lending decisions. Prior to this day, Mike spent more than four years at Nielsen served on Google Surveys advisory board, and was the CFO at radius financial join me in welcoming Mike.

Mike de Vere 0:38
Well, thanks for having me, Whitney, super excited to be here. So Mike, de Vere CEO of zest AI, I have been, you know, perfecting the translation of data into insights over the last few decades. I’m here at CES AI, we’re our technology deal delivers and automates underwriting with more accurate and inclusive lending insights. And so just to unpack that, there’s a lot of discussion around automation, certainly with this economy around efficiency. So definitely topical, but foundational to automate your underwriting is you have to have better insights going into the system. And that’s where this more accurate approach to assessing credit comes in. That’s applying better math called AI. And so you can’t just have this more accurate inclusive lending insight. Because it also you have to make sure that you’re serving all your members and all your customer customers. And that’s where inclusivity comes in. And so we have been solving that problem for the last roughly a decade and a half. And excited to share more about the adventure that we’ve been on. It’s just

Whitney McDonald 1:42
great. Well, we are definitely excited to hear more. So thanks again for being here. Let’s start here with kind of a market update tell us about the current lending market. And then we can kind of get into how credit unions can really navigate this space as we close out 2023 and get into 2024.

Mike de Vere 2:01
Well, if I think about the last 100 or so conversations I’ve had with credit union executives a consistent theme surrounds were lent out, you know, in this economy with rising interest rates demand going down because of these rising interest rates. And so many credit unions find themselves in a position where they have very little to support their communities. And what they’re faced with is because of the tools that exist today, there, they’re inaccurate. Their face was really only lending to a small segment of the population, you’re a tear paper. And so, you know, from an economy perspective, certainly there’s a lot of focus in on lending. Really what people are asking us for help with is around decreasing charge offs, improving yield, being able to serve your entire community, not just those at the top socio economic bracket.

Whitney McDonald 2:57
Now, when it comes to being able to accomplish exactly what you were just saying, let’s kind of get into how technology fits into this. And more specifically, we can’t really have conversations right now with talking through AI. So how can credit unions really optimize look to technology, technology, optimize automation, improve underwriting using AI right now?

Mike de Vere 3:20
Well, I think that there’s three pillars that that we work with credit unions on smart, inclusive and efficient. And so smart is, as it says, which is, the current credit system is failing America, whether you’re talking about a good a good economy or a struggling economy, it’s failing America, because it’s only serving parts of it, if you’d segments of the population are left out whether they be thin file, there’s significant segments of the population that are where there’s bias and discrimination in the end. And so, this idea of smart means, we’re appending to the current credit system, which uses roughly 20 variables to assess if we should give a person alone, the current industry scores that are out there, and it tries to boil an individual down to a number. But what we know is that members and customers are more than a number. And so you’d have to open up the aperture and consume more information. And that’s where AI comes in and enables a credit union or a bank of any size to accurately and smartly assess if they should issue that loan. The second pillar that was around inclusion, that’s really where purpose comes in. Because it’s one thing to be more accurate and drive your balance sheet but it’s the second is fulfilling your mission and being able to serve your entire community that you’re within. And that’s why being purposeful about the models that you built to ensure that they’re inclusive and then finally, around automation. Listen, there is such a huge business case right now, for this third pillar on efficiency, where you’re taking this more accurate inclusive Linda inside, but now you’re looking at the the human policies that get overlaid on top and the manual review that gets overlaid on top. So let me give you an example. The average credit union automates their decisions roughly 20% of the time. Now, the challenge with that wouldn’t be is that the average credit union number one, eight out of 10, roughly one a decision in less than a second. And so four out of five are getting kicked out for manual review. You’re really dissatisfying, your customer, that’s a problem. And so really being thoughtful not only about the technology, but around your policies and overlays, is really important. And so what we find is that the normal credit union might have 20 policy overlays, on top of this industry score, which you know, for me is really like duct tape and spit and chewing gum and in dirt, but you’re just trying to put on top of this failing industry score. Well, when you use AI that’s more accurate and more inclusive, you actually have to address those policies, what you find is that up to roughly 20 to 25, probably 10 of them, you don’t even need, because the signals that you’re trying to measure are already within the model itself. So you can dump those out, that manual step is gone. The second bucket is around, well, there’s a lot of policies that frankly, have no signal whatsoever. You know, it’s I love hearing, we’ve had that in place for the last 50 years, the old clo Chief Lending Officer has had that in place. And I frankly, don’t know why it’s there. And so we kick those out. And then there’s this this last bucket around really optimizing policies, so you end up with four or five. And the net result, if you do that implement AI driven underwriting is you should be able to audit a decision 80 to 90%, for those loan applications that come across your desk, which is what customers want. And from an efficiency perspective, dear gosh, probably our poster child in efficiency was able to eliminate two thirds of the resources for underwriting through automation. That’s a heck of an ROI.

Whitney McDonald 7:08
Yeah, I’d say that’s huge. And throughout the year, it’s been a consistent theme across the industry where we’re focused on efficiency, we’re pulling back on costs, where can we automate? Where can we invest in technology? So that leads me to the next question, I know you talked about the three pillars where technology can fit in kind of throughout the institution? How do we really approach this technology strategy? If you’re a credit union? How do you how do you prioritize those must haves? Where do you start, we

Mike de Vere 7:36
did a study of credit union executives and eight out of 10, asked for, and they said that they’d like to deploy AI with an underwriting because the impact that it could have on their balance sheet as well as their members. That to me, is a good starting point. And why do I say that? Because if you think about what a credit union or bank does, at its very core, it’s lending money. And so that foundation, if you get that, right, that cascades out to all of the other technology, things you may want to do as a business. But you got to get that right first. Imagine if you’re overlaying technology on a broken system, it’s a wasted effort, you have to start with a smarter brain at the core of the credit union or bank.

Whitney McDonald 8:20
Now, when it comes to innovation within ZX sai we can kind of get into your technology a bit here. What really are your credit union clients asking for I know that you just mentioned the survey that they’re asking for more AI within the decisioning. What is really driving that innovation within this AI, maybe a few things that you’ve you’ve got in the works or some products that you’ve got working on.

Mike de Vere 8:41
So we actually started solving the most difficult problem, which is how to safely and soundly underwrite a loan. So that’s the core. But now you can move up the customer journey and talk about pre screening or pre approvals, you could actually go down the customer journey and say, Now once I have an individual loan, well, now let me look at the health of the portfolio itself. And understand things like credit migration, you know, 18% of your portfolio was a paper, it’s migrating now it’s 22%. So you’re now skewing more towards higher paper. Within the analytics, you’re able to look at numbers that may be in distress, that are moving from an ATR all the way down to a C tier, and there’s an opportunity to engage them before they end up in collections. And so, from a technology perspective, when you’re asking that question of assessing credit, that’s where our technology really shines. And so pre screen pre approval, we look at the underwriting question itself, as well as portfolio management. Now, I would be remiss if I didn’t talk about some of the significant innovations that we’ve had around fraud and detecting fraud. And so it always starts first with us understand that every customer has their own unique set of issues and so one fraud solution doesn’t fit all. And so for example, our partner So Equifax have a phenomenal fraud solution. But sometimes that might not be the right fit. And it might be that you could use AI. So zeste uses AI to detect fraud, and identify early default and things of that nature. And so it really depends on the individual credit union and their needs and the type of fraud that they’re experiencing. And so I think if I were to say a very, a very consistent theme across each of our offerings, is that we tailor them specifically thoughtfully to that credit union or bank understanding that one size doesn’t fit all.

Whitney McDonald 10:36
Now, speaking of that, one size doesn’t fit all approach. I’m gonna go off script a little bit here. But when it does, when you do get approached by a credit union, or a credit union is interested in Sai, what are those conversations usually looks like? What are they asking for? What are what are you really solving for? I mean, other than the obvious, but what are those questions kind of look like when you’re in those early stages?

Mike de Vere 10:58
Sure. So it depends on what’s going on with the economy. So today, it’s really leading with things like my charge offs are starting to drift up, can you help. And what we know at best is that we can reduce charge offs, roughly 32%, everyone’s across, if you look at the NCAA findings, they’re all going up across the board. And so imagine if you could bend that curve down. The second area is around yield. And so most credit unions are focusing in right now only on their a paper, but there’s almost no yield there. And so what better way to generate capital than having increasing your yield. And then there’s the topic of inclusion, I want to make sure that I’m assuming serving all of my members and 10s of millions of Americans are left out of the current credit system, because of the bias that’s associated within the system. And so there’s a significant opportunity there. And then finally, it’s really around efficiency is that weren’t tough economic times right now, where we’re going to invest is where it makes us stronger and smarter with our lending. And so it really comes down to efficiency.

Whitney McDonald 12:08
And I’m guessing those those topics that you just disclosed that were that were the questions that come about is that kind of helping set up your your plan or your roadmap for 2024, and what your focus is.

Mike de Vere 12:21
So our current product offering actually addresses that. So where we’re expanding in 24, is, first off looking at additional consumer verticals, additional, commercial, vertical, so we’re addressing different types of loans. We’re also going within the customer journey and automating various steps in the process. And so imagine if you’re a large credit union on the West Coast, and you have this great technology company called SSDI, that you work with, and it automates the credit decision in less than a second. But then the underwriter has to manually turn around and do a fraud check. And it takes five minutes while automation falls apart. And so we’ve launched a product called zest connect, where we work with credit unions, and their ability to not only from an underwriting perspective, but identify those other manual steps in the process that can be automated, whether it be through native integration, robotic process automation, what have you, we’re really trying to streamline that customer journey.

Whitney McDonald 13:24
Yeah, that definitely makes sense. And thanks for kind of giving us a look ahead into the next year. Now, as we, as we kind of wrap things up a little bit. What would one piece of advice be for credit unions that are implementing technology that are looking to automate these processes? I know that you just kind of gave that that great example of automate the whole process don’t get stuck after the first piece of the automation puzzle. But what would you give? What advice would you give when implementing this technology kind of getting into the next year? I mean, cost, of course, is one, one area that has to be considered but but what’s the what’s one piece that you would give to a credit union that’s looking into these automation and AI technologies?

Mike de Vere 14:08
Well, so for me, it’s always is the juice worth the squeeze? So there are many executives I run across that have just fallen in love with the technology. I get it. We’re all emotional buyers. But there could be this rational component. And if you have a technology provider, like SAS AI, whose suggestion you can have a 10 times return on your investment within the first year. That’s going to be a pretty smart bet. And so I would encourage people when assessing what technology to prioritize is to ask yourself, the question is the juice worth the squeeze? The second piece is really the people component is that I see whether I was at sastra. And in my past life technology initiatives will fall apart because they forget change management in the human component, that this is a big change you’ll have if you’re talking about underwriting And you’ll have people who’ve been underwriting the same way for three, four decades. And so their willingness to change is not quite there. And so it’s really going to be important for an organization when implementing technology that they understand the role of change management. But they also understand there’s a human impact. And so there needs to be that software approach going forward.

Whitney McDonald 15:25
Now, lastly, as we look into the new year, What trends are you following for 2024?

Mike de Vere 15:31
If I look at 2024, and ahead, I think, you know, one of the big trends that I want to call out is certainly technologies is going to play a big role, and day to day business, but technology and the intersection between that and purpose is going to become even more important as we look ahead. And so purpose is being mindful about when I implement a technology, what outcome am I expecting? And so when I build an AI underwriting model, what outcome Am I looking for? Am I looking for better economics? Well, that’s that certainly is purposeful and how you build it. But there could also be a secondary thing on we also have a mission to serve our community. And so certainly with a credit union, that is core to who they are. And so the question is, are you being purposeful about how you’re building the model to make sure that men and women get a fair shot. Different ethnic groups get a fair shot. And so you’ve got to be thoughtful about how you build the model. It is not just something that happens. It’s having technology and IP, around D biasing the model, and so that you’re able to fulfill your mission. In really lean

Whitney McDonald 16:46
You’ve been listening to The Buzz, a Bank Automation News podcast. Please follow us on LinkedIn. And as a reminder, you can rate this podcast on your platform of choice. Thank you for your time, and be sure to visit us at Bank automation news.com For more automation news,

Transcribed by https://otter.ai

Tags: credit unionThe Buzzunderwriting
Previous Post

Transactions: Citi TTS teamed up with third-party tech providers in 2023

Next Post

Santander has over 60 AI uses

Related Posts

Courtesy/Bloomberg
AI

Nearly 75% of Better.com originations use AI

May 27, 2025
agentic
AI

Teachers FCU sees 75% cut in decisioning time with AI

May 23, 2025
Image by Bloomberg Mercury
AI

Podcast: New Fintilect CEO Soergel on the richness of transactional data

May 22, 2025
Next Post
Banco Santander office on Passeig de Gracia in Barcelona

Santander has over 60 AI uses

Stay Informed with Our Newsletters

CLOUD

(Courtesy/Bloomberg)

Trade research, fighting fraud among top Nvidia AI uses

May 29, 2025
paypal ai

Inside UniCredit’s cloud migration

May 20, 2025
Le Wagon, coding bootcamp in Paris, France, on January 22, 2018.Photographer: Marlene Awaad / Bloomberg

Fitch Ratings gains 40% efficiency with AWS gen AI tool

May 19, 2025

EMERGING FINTECH DIRECTORY

Emerging Fintech Directory

The Buzz Podcast

RETAIL BANKING

Customer support in the digital banking world

Digital banking transactions: SouthTrust Bank taps Jack Henry for upgrade

May 28, 2025
The Toronto-Dominion (TD) bank headquarters in the financial district of Toronto. Photographer: Laura Proctor/Bloomberg

TD plans to cut about 2% of workforce amid restructuring

May 22, 2025
fair

Lending transactions: Freedom taps Vine for automation

May 21, 2025

SPONSORED

Just Released! 2025 Strategy Benchmark

May 1, 2025

Leverage Treasury Management to Turn Fraud Prevention Into a Strategic, Revenue-Generating Opportunity

April 1, 2025

A growth mindset in banking requires AI

March 27, 2025
  • About Us
  • Help Center
  • Contact Us
  • Privacy Terms
  • ADA Compliance
  • Advertise

 Manage Cookie Consent

Connect

twitter linkedin podcast podcast podcast
© 2025 Royal Media
No Result
View All Result
  • NEWS
    • All News
    • AI
    • Business Banking
    • Core
    • Cloud
    • Payments
    • Retail Banking
    • Risk & Security
  • DATA
  • TRANSACTIONS
  • EVENTS
    • Bank Automation Summit
  • PODCAST
  • WEBINARS
    • Upcoming Webinar: Breaking the API Dependency Bottleneck in Financial Services presented by Ally Financial & WireMock
    • Webinar Library
  • SUBSCRIBE
  • Log In / Account

Welcome Back!

Login to your account below

Forgotten Password?

Retrieve your password

Please enter your username or email address to reset your password.

Log In
No Result
View All Result
  • NEWS
    • All News
    • AI
    • Business Banking
    • Core
    • Cloud
    • Payments
    • Retail Banking
    • Risk & Security
  • DATA
  • TRANSACTIONS
  • EVENTS
    • Bank Automation Summit
  • PODCAST
  • WEBINARS
    • Upcoming Webinar: Breaking the API Dependency Bottleneck in Financial Services presented by Ally Financial & WireMock
    • Webinar Library
  • SUBSCRIBE
  • Log In / Account

THIS WEBSITE USES COOKIES

We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. By clicking “I CONSENT”, you consent to the use of ALL the cookies.

Cookie settingsI CONSENT

Review our Cookie Policies
.
Manage Cookie Consent

Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may have an effect on your browsing experience.
Necessary
Always Enabled
Necessary cookies are absolutely essential for the website to function properly. These cookies ensure basic functionalities and security features of the website, anonymously.
CookieDurationDescription
__cfruidsessionCloudflare sets this cookie to identify trusted web traffic.
__RequestVerificationTokensessionThis cookie is set by web application built in ASP.NET MVC Technologies. This is an anti-forgery cookie used for preventing cross site request forgery attacks.
_abck1 yearThis cookie is used to detect and defend when a client attempt to replay a cookie.This cookie manages the interaction with online bots and takes the appropriate actions.
34f6831605sessionGeneral purpose platform session cookie, used by sites written in JSP. Usually used to maintain an anonymous user session by the server.
a64cedc0bfsessionGeneral purpose platform session cookie, used by sites written in JSP. Usually used to maintain an anonymous user session by the server.
ak_bmsc2 hoursThis cookie is used by Akamai to optimize site security by distinguishing between humans and bots
ARRAffinitysessionARRAffinity cookie is set by Azure app service, and allows the service to choose the right instance established by a user to deliver subsequent requests made by that user.
ARRAffinitySameSitesessionThis cookie is set by Windows Azure cloud, and is used for load balancing to make sure the visitor page requests are routed to the same server in any browsing session.
AWSELBsessionAssociated with Amazon Web Services and created by Elastic Load Balancing, AWSELB cookie is used to manage sticky sessions across production servers.
bm_sz4 hoursThis cookie is set by the provider Akamai Bot Manager. This cookie is used to manage the interaction with the online bots. It also helps in fraud preventions
cf_ob_infopastThe cf_ob_info cookie is set by Cloudflare to provide information on HTTP Status Code returned by the origin web server, the Ray ID of the original failed request and the data center serving the traffic.
cf_use_obpastCloudflare sets this cookie to improve page load times and to disallow any security restrictions based on the visitor's IP address.
CONCRETE5sessionThis cookie is set by the provider Concrete5 web content management system. This is a necessary cookie used for maintaining the user session between pages.
connect.sid1 monthThis cookie is used for authentication and for secure log-in. It registers the log-in information.
cookielawinfo-checkbox-advertisement1 yearSet by the GDPR Cookie Consent plugin, this cookie is used to record the user consent for the cookies in the "Advertisement" category .
cookielawinfo-checkbox-analytics11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Analytics".
cookielawinfo-checkbox-functional11 monthsThe cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional".
cookielawinfo-checkbox-necessary11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary".
cookielawinfo-checkbox-others11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other.
cookielawinfo-checkbox-performance11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Performance".
cookiesession11 yearThis cookie is set by the Fortinet firewall. This cookie is used for protecting the website from abuse.
crmcsrsessionGeneral purpose platform session cookie, used by sites written in JSP. Usually used to maintain an anonymous user session by the server.
ep20130 minutesThis cookie is set by Wufoo for load balancing, site traffic and preventing site abuse.
JSESSIONIDsessionThe JSESSIONID cookie is used by New Relic to store a session identifier so that New Relic can monitor session counts for an application.
LS_CSRF_TOKENsessionCloudflare sets this cookie to track users’ activities across multiple websites. It expires once the browser is closed.
PHPSESSIDsessionThis cookie is native to PHP applications. The cookie is used to store and identify a users' unique session ID for the purpose of managing user session on the website. The cookie is a session cookies and is deleted when all the browser windows are closed.
sxa_sitesessionThis cookie is used to identify the webiste visitor's session state across page requests on server.
ts3 yearsPayPal sets this cookie to enable secure transactions through PayPal.
ts_c3 yearsPayPal sets this cookie to make safe payments through PayPal.
viewed_cookie_policy11 monthsThe cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. It does not store any personal data.
wordpress_test_cookiesessionThis cookie is used to check if the cookies are enabled on the users' browser.
Functional
Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features.
CookieDurationDescription
__cf_bm30 minutesThis cookie, set by Cloudflare, is used to support Cloudflare Bot Management.
_zcsr_tmpsessionZoho sets this cookie for the login function on the website.
663a60c55dsessionThis cookie is related to Zoho (Customer Service) Chatbox
bcookie2 yearsLinkedIn sets this cookie from LinkedIn share buttons and ad tags to recognize browser ID.
bscookie2 yearsLinkedIn sets this cookie to store performed actions on the website.
e188bc05fesessionThis cookie is set in relation to Zoho Campaigns
geosessionThis cookie is used for identifying the geographical location by country of the user.
iamcsrsessionZoho (Customer Support) sets this cookie and is used for tracking visitors (for performance purposes)
langsessionLinkedIn sets this cookie to remember a user's language setting.
languagesessionThis cookie is used to store the language preference of the user.
lidc1 dayLinkedIn sets the lidc cookie to facilitate data center selection.
optimizelyEndUserId1 yearOptimizely uses this cookie to store a visitor's unique identifier which is a combination of a timestamp and a random number. Different variations of web parts are shown to users that optimizes the website's user experience.
tableau_localesessionTableau uses this cookie to determine the preferred language and country-setting of the visitor - This allows the website to show content most relevant to that region and language.
UserMatchHistory1 monthLinkedIn sets this cookie for LinkedIn Ads ID syncing.
Performance
Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.
CookieDurationDescription
AWSELBCORS20 minutesThis cookie is used by Elastic Load Balancing from Amazon Web Services to effectively balance load on the servers.
Analytics
Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc.
CookieDurationDescription
__gads1 year 24 daysThe __gads cookie, set by Google, is stored under DoubleClick domain and tracks the number of times users see an advert, measures the success of the campaign and calculates its revenue. This cookie can only be read from the domain they are set on and will not track any data while browsing through other sites.
_ga2 yearsThe _ga cookie, installed by Google Analytics, calculates visitor, session and campaign data and also keeps track of site usage for the site's analytics report. The cookie stores information anonymously and assigns a randomly generated number to recognize unique visitors.
_gcl_au3 monthsProvided by Google Tag Manager to experiment advertisement efficiency of websites using their services.
_gid1 dayInstalled by Google Analytics, _gid cookie stores information on how visitors use a website, while also creating an analytics report of the website's performance. Some of the data that are collected include the number of visitors, their source, and the pages they visit anonymously.
ajs_anonymous_idneverThis cookie is set by Segment to count the number of people who visit a certain site by tracking if they have visited before.
ajs_group_idneverThis cookie is set by Segment to track visitor usage and events within the website.
ajs_user_idneverThis cookie is set by Segment to help track visitor usage, events, target marketing, and also measure application performance and stability.
browser_id5 yearsThis cookie is used for identifying the visitor browser on re-visit to the website.
CONSENT2 yearsYouTube sets this cookie via embedded youtube-videos and registers anonymous statistical data.
sid1 yearThe sid cookie contains digitally signed and encrypted records of a user’s Google account ID and most recent sign-in time.
uid1 yearThis is a Google UserID cookie that tracks users across various website segments.
vuid2 yearsVimeo installs this cookie to collect tracking information by setting a unique ID to embed videos to the website.
WMF-Last-Access1 month 21 hours 5 minutesThis cookie is used to calculate unique devices accessing the website.
Advertisement
Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. These cookies track visitors across websites and collect information to provide customized ads.
CookieDurationDescription
_dc_gtm_UA-1038974-41 minuteUsed to help identify the visitors by either age, gender, or interests by DoubleClick - Google Tag Manager.
_fbp3 monthsThis cookie is set by Facebook to display advertisements when either on Facebook or on a digital platform powered by Facebook advertising, after visiting the website.
_pxhdpastUsed by Zoominfo to enhance customer data.
fr3 monthsFacebook sets this cookie to show relevant advertisements to users by tracking user behaviour across the web, on sites that have Facebook pixel or Facebook social plugin.
IDE1 year 24 daysGoogle DoubleClick IDE cookies are used to store information about how the user uses the website to present them with relevant ads and according to the user profile.
test_cookie15 minutesThe test_cookie is set by doubleclick.net and is used to determine if the user's browser supports cookies.
VISITOR_INFO1_LIVE5 months 27 daysA cookie set by YouTube to measure bandwidth that determines whether the user gets the new or old player interface.
YSCsessionYSC cookie is set by Youtube and is used to track the views of embedded videos on Youtube pages.
yt-remote-connected-devicesneverYouTube sets this cookie to store the video preferences of the user using embedded YouTube video.
yt-remote-device-idneverYouTube sets this cookie to store the video preferences of the user using embedded YouTube video.
yt.innertube::nextIdneverThis cookie, set by YouTube, registers a unique ID to store data on what videos from YouTube the user has seen.
yt.innertube::requestsneverThis cookie, set by YouTube, registers a unique ID to store data on what videos from YouTube the user has seen.
Others
Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet.
CookieDurationDescription
049fc2ef5beb27056b07d9e4c4d13fd3sessionNo description
akaalb_http_misc_subssessionNo description
AnalyticsSyncHistory1 monthNo description
BIGipServermsocu-web-2-rr.webfarm.ms.com.10882sessionNo description
bm_misessionNo description available.
CX_4061522881 yearNo description
DCID20 minutesNo description
debugneverNo description available.
DrupalVisitorMobilesessionNo description available.
ep2033 monthsNo description available.
frbatlanta#langsessionNo description
geo_info1 yearNo description available.
GoogleAdServingTestsessionNo description
li_gc2 yearsNo description
loglevelneverNo description available.
loom_anon_commentsessionNo description available.
loom_referral_videosessionNo description
mkjs_group_idneverNo description available.
mkjs_user_idneverNo description available.
MorganStanley.ClientServ.Common.IPZipAccess.IPZipCookie.DEFAULT_COOKIE_NAMEpastNo description
NSC_us_nbsl-83+63+21+25-91sessionNo description
nyt-a1 yearThis cookie is set by the provider New York Times. This cookie is used for saving the user preferences. It is used in context with video and audio content.
nyt-gdpr6 hoursNo description available.
nyt-purr1 yearNo description available.
OCC_Encrypted_CookiesessionNo description
polleverywhere_session_id14 daysNo description
ppnet_2020sessionNo description available.
ppnet_2777sessionNo description available.
reuters-geosessionNo description
shell#langsessionNo description
smcx_0_last_shown_atsessionNo description available.
tableau_public_negotiated_localesessionNo description available.
vary1 monthNo description
www#langsessionNo description
X-Vive-CountrysessionNo description
xn_uuid1 monthNo description
Save & Accept
Powered by CookieYes Logo