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

Done right, hyper-personalization is the key to some major challenges faced by fraud departments, transforming customer experience and fraud controls

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

As the EU works on an AI Act, FICO research suggests that banks are expanding their use of AI but not necessarily focused on responsible AI

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

As the PSR’s response to authorized push payment fraud moves towards becoming law, what will the results be? Will there be unintended consequences? And what can banks do?

How well individuals respond to pre-delinquency measures often hinges on the strategies lenders use to engage with them

Inflation takes hold, bankcards delinquencies surpass pre-pandemic levels

Fraud protection is now firmly on the radar for consumers and has risen substantially as a deciding factor - it could even be a competitive advantage for banks

Bankcard delinquencies continue to rise as growth in the economy slows

The removal of the mortgage market affordability test in the UK could pose challenges at a time when affordability is an important lending issue

We are seeing unemployment rates at historical lows, so what is causing US Bankcard delinquency rates to increase?

Digital transformation, accelerated by the pandemic, has increased the threat of application fraud

More Than Half of UK Consumers Would Switch Banks if Theirs Was Involved in a Money Laundering Scandal

Poor awareness of authorised push payment fraud scams coupled with high customer expectations of banks’ abilities to deal effectively with fraud cases present a challenge