Optimize your loan origination process with automation that speeds approvals, cuts costs, and improves customer satisfaction for credit risk leaders

Business outcome simulation enables business users to simulate changes to strategy and quickly make informed decisions to help reduce risk and enhance profitability

The ability to offer full control of affordability strategies and models to ensure agility, flexibility and transparency really matters — because it’s getting ever more complex

Talking with A-level students at Winstanley College, Wigan, gave me hope for the future of data science

Monthly report on UK credit card trends shows financial prudence with spending down and percentage of payments to balance up – but will lockdown stashes save the day or fade away?

August saw a two-year low in consumers paying less than the amount due on cards, although signs of financial pressure can be seen

Our UK Credit Market Report of UK card trends for July 2021 reveals that there was an uplift in missed payment rates, whilst spend on cards marginally fell

Credit card trends for payments and delinquencies show similar patterns in the US, the UK and Canada, though extra savings and government support are masking the pandemic's impact

Looking at trends for activity, utilization, spend, balances, usage, interest reveals new focus areas for issuers

Credit card spend 3.5% higher than June 2019, suggesting some households are benefitting from pandemic savings, but not everyone is confident in financial position

From South America to South Africa, businesses are using centralized decisioning to connect with customers

Markedly lower increase in card spend shows how consumers are reacting to the 'new normal'

Open Banking has the potential to empower more choice for millions more consumers in Europe and Africa - better analytics and breaking down banking silos will be key

End of lockdown spurs spending, but continued government support and accrued savings blur the true picture of UK debt

FICO data shows true state of consumer finances still masked in March; April will be pivotal for lenders