Composable architectures are driving IT’s evolution by enabling greater flexibility, scalability and resilience

Intelligent feature management is a disciplined approach to identifying, creating, managing, and utilizing enriched data assets

Credit unions saw a slowdown in severe delinquency impacting their credit card portfolios to finish 2024, with increases in average monthly spend and average balance

Credit card delinquency rates picked up in the back half of the year as spending slows

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

Credit card balances and severe delinquencies are growing but positive signs are starting to appear

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

Insightful financial inclusion video focused on fairness in lending

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

The pandemic caused behavioral impacts on credit card payments of consumers for revolving products, where the minimum due is a small percentage of the current credit card balance

FICO® Scores rank-order the likelihood of borrowers’ credit repayment risk - the relationship between the FICO Score and repayment odds can and does shift

Bankcard delinquencies exceed pre-pandemic levels, higher losses are forecasted ahead

For more than 30 years, the FICO® Score has been carefully developed to be robust and reliable assessments of credit risk throughout the credit cycle

Bankcard delinquencies continue to rise, higher losses are coming in 2023