Factors driving credit score decreases observed among student loan holders involved behaviors such as delinquency on credit products including bankcards, auto loans, and mortgages

How the FICO Platform can enable explainable machine learning models for more effective PD calculations

Fierce competition, open banking and financial inclusion drive the uptake of transaction analytics in lending

Survey demonstrates need for advanced analytic solutions to accelerate lending and simplify delivery

Through explainable machine learning models, behavioural and PD models for the retail banking sector can be created with higher levels of predictiveness.

Research shows balance aggregation results in modest impact to FICO® Scores

Bridging the expectation gap through decision planning to improve the customer experience

Whilst the EU have rightly focused on the use of AI and data science strategic leadership, more needs to be done on AI explainability

Analysis identified modest impacts to FICO Scores from forbearance-related potential increases in mortgage balance.

Using digital collaboration to play your best hand

The set-up of a score validation can greatly influence model performance results — and sometimes inflate them

The idea of reducing the friction between customer need and targeted product offering is nothing new, but clearly the thought of a dialog-based interaction replacing the traditional application form is quite appealing.