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Jake Fowler

Interest Rate Gravity: How Rates (not Coronavirus) Defined Lending in 2020

Recorded On: 12/15/2020



Rene Segura, Head of Consumer Lending, FBX


Interest Rates in all shapes and forms take center stage in this webinar. With rates at all-time lows and unemployment at all-time highs, the problem everyone in the financial services space has been dealing with is how borrowers and competitors have shifted their behaviors and strategies to adjust to this new normal. As Warren Buffett once said: “Interest rates are to asset prices what gravity is to the apple. When there are low interest rates, there is a very low gravitational pull on asset prices.” How have rate movements by the Fed and financial institutions driven changes in the value placed on lending both from a borrower’s and lender’s point of view? 

Join our very own Princeton economist, Rene Segura, as he guides us through a year-in-rateview as we re-visit industry rates across Auto, Home Equity, Mortgage, and Personal Loans to help answer how borrowers (and lenders) are shifting behaviors in this environment; and what signs that may give us for what’s to come in 2021.


  • What the last 9 months of interest rates tell us about financial services and lending in general.
  • How coronavirus and interest rates have directly and indirectly impacted borrower behaviors in relation to debt, lending, and risk.
  • What, if anything, can we expect as we enter 2021.


  • Learn about the overarching industry rate trends related to financial services products.
  • Understand the cross-product impact of rates on borrowers and how businesses can manage that impact.
  • Find out how to improve and optimize your Interest Rate strategies.

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Rene Segura

Head of Consumer Lending, FBX, an Informa Financial Intelligence company

Rene Segura leads FBX’s Consumer Lending division covering Auto, Credit Card, Home Equity, Personal, and Small Business Lending data and analytics. Over the years, Rene has led analytics and product teams across Auto, Home Equity, Mortgage, and Personal Lending. Prior to joining IFI, Rene managed data analytics for Financial Services at Capital One supporting Compliance, Operations, Sales, and Servicing, as well as Margin Management for their Home Loans division. Rene graduated with degrees in Economics and Computer Science from Princeton University with a concentration in data analytics and the economic impact of monetary policy.


12/15/2020 at 1:00 PM (EST)  |  Recorded On: 12/15/2020
12/15/2020 at 1:00 PM (EST)  |  Recorded On: 12/15/2020