What Are Fraud Analytics and How Do They Improve Fraud Detection?
Understand what fraud analytics entail and how they leverage AI, machine learning, business intelligence and data science to improve fraud detection
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
FICO Focused Foundation Model Delivers Trustworthy, Responsible GenAI
FICO® Focused Language Model and FICO® Focused Sequence Model set global standards for Responsible AI, delivering measurable enterprise value
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
Operationalizing Responsible AI Standards: Why a Platform Approach Matters
A unified decisioning platform enforces development standards to ensure AI systems are built responsibly from the ground up
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
How to Build Credit Risk Models Using AI and Machine Learning
Which works better for building credit risk models: using AI and machine learning or using traditional scorecards?
Combining Machine Learning with Credit Risk Scorecards
Here's how to get the full power of machine learning without losing the transparency that’s important from credit risk scorecards
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
Worried about Gen AI Hallucinations? Using Focused Language Models is an Imaginative—and Proven—Solution
GenAI hallucinations are primarily caused by the ways that large language models (LLMs) are built
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
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