How does progress in artificial intelligence stack up to the FICO credit score model?

Credit card delinquencies are stabilizing in early buckets while consumers continue to spend

Credit card balances continue to rise, early-stage delinquency begins to show signs of flattening

More consumers are carrying credit card balances despite high rates, and delinquency rates continue to rise

Blending artificial intelligence, machine learning and domain expertise in the design of credit scores - a video discussion with Agus Sudjianto

Higher prices keep customers in a pinch from making on-time payments