Factors driving credit score decreases observed among student loan holders involved behaviors such as delinquency on credit products including bankcards, auto loans, and mortgages

As Hoist Finance shows, best practices in decision management – automation, digitization, centralization – also result in greener decisions

Research shows balance aggregation results in modest impact to FICO® Scores

Customers and regulators are both interested in sustainable finance - here's how banks and fintechs can use automated decisions to advance their ESG goals

Using decision modelling and optimisation techniques similar to those used in navigation applications can help improve business performance by over 30%

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