The signs of the cost-of-living crisis are still limited, with the biggest area of concern being a 3 percent increase in missed payments for new accounts

The FICO Credit Market Report for March 2022 shows UK card repayments remain a priority for credit card holders, suggesting greater reliance on credit as costs rise

The FICO Credit Market Report for February 2022 shows UK card trends following typical post-seasonal spend and repayment patterns - will the cost of living rise show up soon?

The FICO UK Credit Card Market Report for January 2022 shows strong financial management by consumers, but concerns remain over UK cards trends as fuel and other costs rise

Omicron didn't dampen Christmas spending, as balances increased - but so did missed payments and other signs of trouble on UK cards

FICO Credit Report shows higher UK card spend in November, but also consumers reducing card payments

FICO Scores R&D has empirically investigated potential benefits and risks associated with using some of the latest AI and machine learning approaches for credit scoring.

My presentation on “Transparency by Design: An Explainable AI Approach to Credit Risk Scoring” discusses our application of recent machine learning technologies to challenge the US FICO® Score.

How are advances in artificial intelligence and machine learning changing credit risk assessment? That’s a topic I’ll be exploring in three presentations at FICO World 2018.

Want to know which consumers will more likely default when they encounter an unpredicted financial stress situation in the future? Traditional risk scores won’t give you the full picture.