Choosing the Cutoff Value If you work with binary classifiers, then you are familiar with the problem of choosing a cutoff value. While the classifier will predict positives and... Predicting Loan Defaults with AI I have some time on my hands, so I decided to experiment with some of the new AI assisted code generators. I wanted something relevant... Biweekly Payment Magic A while back, I did some foundational work for a leading biweekly payment service. That is, the math part, which I will reprise here. Biweekly... Moving to Powersports Back in 2020, I contacted all the leading F&I administrators, pitching my plan for AI-priced service contracts. As soon as the conversation touched on VIN... Don’t Ask Me about UI/UX Readers with up-to-date Twitter skills will recognize the classic Willem Defoe meme. I have been doing web apps for a long time, and it seems... Know Your Time Series I recently saw this chart (below) from PNAS. It’s one of those popular psych studies that asks “does having more money make people happier?” They... Software Development at RumbleOn I have some jobs open right now and I am also busily documenting our Software Development process for the auditors, so I thought this might... Data Lakes Explained Last month, I wrote an explainer on AI and it was well-received, so here is one on data lakes. If you already know the concepts,... What is Accuracy? Suppose you have tested positive for a rare and fatal disease, and your doctor tells you the test is 90% accurate. Is it time to... Claims Prediction with BQML Did you know you could develop a machine learning model using SQL? Google’s cloud data warehouse, Big Query, includes SQL…... Paying Bills for American Motors My first Big Six consulting engagement, right out of MBA school, was solving a catastrophic failure in the Accounts Payable…... Edtech Unicorns and JIT Training Udemy went IPO last week, and PitchBook just published a note on the category, so I thought to write about…... Looking for Work I am ready for my next engagement. This blog, together with my Linked-In profile, gives some indication of what I…... What is “Real” AI? Clients ask me this all the time. They want to know if a proposed new system has the real stuff,…... Digitally Disrupting Dealer Systems I hesitated to use the D word here. So much of digital is normal, healthy evolution, that saying “disruption” is…... REST Primer for F&I I have worked with more than a few APIs, both “F” and “I” – pretty much all of the product…... Moto Commerce Digital Retail Moto Insight has uploaded a complete demo of their digital storefront, Moto Commerce. This shows confidence that they’re not worried…... Caching the Rate Response Every so often, I am asked to write on a specialist topic for F&I technology, like surcharge processing, term bumps,…... Workflow for Online Car Buying A few years ago, I published a precedence diagram for the key operations of online car buying. I was arguing…... Organizational Debt In today’s post, I add to the copious literature on technical debt with a discussion geared to my audience of…... Analytics for Menu Presentation Last week, I presented a single-column format for menu selling on an iPhone, with the glib recommendation to let analytics…... Menu Selling on an iPhone Followers of my Twitter feed know that I have lately been looking at mobile apps, to see if anyone can…... Best Practices for Menu Selling I was asked recently to opine on this topic, which I do today with some reservation, for I can see…... The Automotive eCommerce Ecosystem Around the turn of the century, I was helping RouteOne to build their now-ubiquitous credit system. Then, I moved on…...
