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​​Modernizing Credit Scoring for the BNPL Era​

Learn how FICO® Score 10 BNPL and FICO® Score 10T BNPL will incorporate BNPL accounts within credit reporting frameworks

Using SMS, RCS and WhatsApp in Omni-Channel Communications

Lenders in Brazil can improve collections and fraud strategies by optimizing the balance of digital message channels

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

Average U.S. FICO® Score stays at 717 even as consumers are faced with economic uncertainty

Inflation fatigue puts more borrowers under financial pressure

Credit and Risk Trends in Brazil Highlight Need for Tailored Treatment

July data shows Brazil's credit portfolio is in good shape - combined with a decline in delinquency, this makes a fertile ground for credit granting

Brazilian Credit Risk Trends Reveal Growth Opportunities

This deep dive into the credit health of the Brazilian market presents a positive national scenario, leading to recommendations for growth in multiple credit products

Evaluating the inclusion of BNPL data in FICO® Scores

FICO is working with major Buy Now Pay Later service provider to thoroughly analyze new credit data source

Average U.S. FICO Score at 717 as More Consumers Face Financial Headwinds

Outlier or Start of a New Credit Score Trend?

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

Average U.S. FICO Score at 718

Multiple Factors Impacting Scores, as Missed Payments and Consumer Debt Continue to Rise

Insurance Microservices Provide Needed Agility Today

Monolithic architecture hinders the evolution of cloud-hosted platforms — microservices are proving more effective at meeting insurers' demands for agility

FICO Safe Driving Score Measures Driver Risk

What are the top characteristics that help drivers achieve a good FICO® Safe Driving Score?

Average U.S. FICO® Score Stays Steady at 716

Each year, we provide insight into the national average FICO® Score to help ensure consumers have a baseline measure of credit health standing

FICO Fact: Can unconstrained AI/ML expand access to credit?

FICO has been a pioneer in the use of machine learning (ML) in the financial services industry for over 25 years.

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