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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

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

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

Agile Collections Strategies Can Protect Loyalty in Tough Times

As economic victims swell the collections queue, do you have the tools you need to differentiate them and apply the correct treatments to different cohorts?

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

Debt Collection: Have We Learned the Lessons of the Last Crises?

While the current series of economic shocks may seem "unprecedented", there are clear lessons from past crises that should shape our collections strategies today

FICO Safe Driving Score Measures Driver Risk

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

Even in a Crisis, the Best Collections Strategy Is to Avoid Collections

With as much as 50% of consumers experiencing financial difficulty soon, it's time to review your early and pre-collections strategy and processes

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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