Historically, credit programs available from retailers have focused on providing consumers with an affordable option to buy big-ticket items. However, that focus is rapidly changing to include smaller value purchases. Providing consumers with the opportunity to spread over time purchase amounts for smaller value items is an imperative for even large in-store and online retailers. Smaller and midsized businesses see it as a necessity to compete against larger competitors. Success in installment credit for smaller value items is tied to instant risk decisions and the ability to take that risk...