Modernizing Credit Scoring for the BNPL Era
Learn how FICO® Score 10 BNPL and FICO® Score 10T BNPL will incorporate BNPL accounts within credit reporting frameworks
The Benefits of Champion/Challenger Testing in Decision Management
Champion/challenger experimentation objectively compares the performance of the current approach vs. new approach, which helps you to continuously evolve your decision strategies
BNPL Success: How FICO Platform Addresses 5 Key Challenges
Risk management is a critical issue for Buy Now, Pay Later (BNPL) lending - discover how FICO Platform promotes growth and responsible lending
UK Cards: Signs of Risk in Rising Balances
FICO’s data on UK credit cards for July 2025 shows a YOY growth in balances and delinquent balances
What June Data Says about UK Credit Cards and Consumers
Rising spend and falling payments to balance continued to push up average balances on UK credit cards, demonstrating underlying risk
UK Cards Data Reveals Fall in Spending but Rise in Balances
Lenders should keep a close eye on credit card delinquencies, which saw a 10.4% increase in the percentage of customers missing one payment in May
UK Cards and Credit Risk: Further Decline in Balances Paid
April data on UK cards shows spending declined and average balances increased, signalling slow rise in credit risk for UK consumers
New UK Credit Cards Data Shows Lower Spending, More Delinquencies
Financial pressures on UK consumers are evident in drop in spend and rise in delinquencies on credit cards
UK Cards Data Shows Rise in Delinquencies, First-Party Fraud Risk
In data on UK credit cards, FICO sees a rise in customers missing three payments, and signs of growing first-party fraud
How Did the Pandemic Affect UK Consumers’ Card Payments?
FICO data reveals that the positive payment behaviour from the pandemic is still persisting
UK Credit Cards Hit New Highs for Spending and Balances
FICO data suggests the ongoing impact of inflation could affect consumer affordability through 2025
UK Card Payment Trends: Delinquencies Still Climbing
FICO UK Credit Report for August 2024 shows familiar card payment trends, but late payments are still higher than 2023
Average U.S. FICO® Score stays at 717 even as consumers are faced with economic uncertainty
Inflation fatigue puts more borrowers under financial pressure
UK Credit Card Payment Trends - Missed Payments Are Rising
Spending falls following typical seasonal patterns, although average balance is up 5.3% year-on-year and more customers miss payments
A World Without FICO Credit Scores: What Was It Like?
Movement Mortgage’s Anna Benz discusses the importance of FICO Scores in the credit ecosystem
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