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

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

The next era of global digital transformation may offer cheaper, more accessible internet for all, improving banking for the developing world

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

Businesses threatened by data-driven disruptors need to adopt a similarly disruptive mind-set to ensure they stay relevant to their customers

The speed of 5G roll-out should make better data-driven decisioning a priority for multiple industries

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

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