How to Improve Collection Decision Strategies with Analytics
Predictive analytics, optimization and omni-channel communications can transform collections strategy efficiency and performance
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
How to Build a Winning Customer Communication Strategy to Reduce Fraud and Improve Debt Resolution
Reducing fraud, improving debt collection and building customer loyalty are three gains businesses can achieve with a great customer communication strategy
Debt Collection Strategies: Solve the 6 Toughest Challenges
More effective debt collection strategies using optimization create a strategic advantage that builds customer loyalty and drives long-term profitability
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
Debt Collection Predictive Analytics: Benefits, Types and Uses
Discover how debt collection predictive analytics boosts recovery, cuts costs, and personalizes strategies with AI-driven models and case studies
Collection Strategies: Best Practices for the Digital Age
Omni-channel communications, analytics and optimization are bringing greater targeting to debt collection strategies, improving results and customer relationships
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
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