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The Hidden Costs of Friction: What 18,000 Consumers Revealed About Identity Verification and Account Origination

Our comprehensive survey uncovered striking regional differences in consumer priorities and behaviors, challenging conventional wisdom about what drives account selection

Canada Bankcard Industry: A Look Back at Q4 2025 Trends

FICO risk benchmarking data covering roughly 90% of card transactions in Canada reveals a market at an inflection point - improving delinquencies mask structural shifts in payment

What Is First-Party Fraud? How It Occurs and How to Stop It

From banks to telcos to debt collection agencies, what looks like unrecoverable bad debt may in fact be first-party fraud - here's how to reduce its impact

Canada Bankcard Industry Benchmarking Trends: Q2 2025  

Credit card insights uncover developing financial pressures affecting many Canadians

Canada Bankcard Industry Benchmarking Trends: Q1 2025

Credit card data reveals many Canadians are struggling to pay off their monthly balances

The 6 "E"s of Enterprise Fraud Management

Navigate the complexities of enterprise fraud management with seamless orchestration, real-time detection, and scalable prevention and intervention strategies.

How Vitality Fuels Customer Engagement & Loyalty 

Vitality, a major healthcare insurer in the UK, shows how harnessing technology to personalize healthcare experiences can drive sustainable growth

Why the Insurance Industry Needs Decision Platforms

Insurance organizations must be able to easily drive efficiency, profitability, and customer-centricity, and decision platforms can help

Canadian Bankcards: Delinquencies on Monoline Cards Are Rising

FICO's Canadian Bankcards Industry Benchmarking Trends for Q2 2024 show monolines delinquencies have reached pre-COVID levels

How to Communicate with Customers about Possible Fraud

Real-time communications play a key role for banks to balance sensible friction in fraud management with customer preferences for ease and convenience

How Insurance Companies Can Seize the Potential of AI

Artificial intelligence is powering a lot of digital transformation and legacy modernization in insurance, but two big challenges remain before wider adoption is possible

Hyper-Personalization: How to Blend Fraud Management and CX

Hyper-personalized fraud management is becoming integral to banks’ abilities to extend fraud-protected but friction-free customer experiences

Rising Delinquencies in Canada Point to Need for Stress Testing

Canadian cards data for the second quarter of 2023 shows the need for lenders to project unexpected rapid shock to portfolios, staffing, and expenses

Why Banks Need Context and Orchestration to Fight Against Fraud

A lack of context and orchestration can limit a bank’s ability to stop fraud, while increasing the potential for false positives

Orchestration for Improved CX and Fraud Management

Orchestration enables enterprises to align controls, grab the best data, derive valuable insights and take the best actions to achieve specific outcomes

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