Explainable Machine Learning for Probability of Default Calculations
How the FICO Platform can enable explainable machine learning models for more effective PD calculations
How Transaction Analytics Transform Lending Speed and Results
Fierce competition, open banking and financial inclusion drive the uptake of transaction analytics in lending
UK Cards Report: Repayments Not Impacted by Cost of Living Hike
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?
UK Cards Trends: Good Performance Despite Rising Living Costs
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
Improving IRB and RWA Calculations with Machine Learning
Through explainable machine learning models, behavioural and PD models for the retail banking sector can be created with higher levels of predictiveness.
UK Cards Report - Holiday Spend and More Missed Payments
Omicron didn't dampen Christmas spending, as balances increased - but so did missed payments and other signs of trouble on UK cards
UK Card Spend Hits Over Two-Year High
FICO Credit Report shows higher UK card spend in November, but also consumers reducing card payments
Does the EU Framework for Responsible AI Go Far Enough?
Whilst the EU have rightly focused on the use of AI and data science strategic leadership, more needs to be done on AI explainability
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