Merchant Acquiring: The Fraud Landscape for Competitive Advantage
As merchant acquiring models evolve, fraud management must expand beyond traditional transaction monitoring toward a broader view of ecosystem governance
Has the Reporting of Rental Data to the Credit Reporting Agencies (CRAs) Increased?
FICO Score 10T includes rental data, but consumers can only experience the benefit of this to the extent that their rental data is reported to the CRAs
Merchant Acquiring Mastery: Three Game-Changing Strategies for Competitive Advantage
Merchant acquirers now demand sophisticated onboarding automation, dynamic pricing intelligence, and predictive analytics to win and retain profitable merchant relationships
Key Considerations to Manage Bust-Out Fraud and Check Kiting
Improve customer management and reduce losses from check fraud by managing payment hold strategies using analytics
Credit Union Borrowers Use and Seek Credit More Than National Bank Borrowers
Credit union lenders need to be mindful of balancing opportunity and risk with their credit decisions
Student Loan Delinquencies Lower the Average FICO Score to 715
New reporting of student loan delinquencies among key drivers of the downward shift of credit scores
4 Key Ways to Drive Profitability With Overlimit Authorisations
Enhance your customer management strategies to boost enterprise revenue through overlimit authorisations
Average FICO® Score in Canada Drops Two Points to 760
Modest reduction in the average FICO® Score in Canada as recent consumer credit trends continue
Credit Union Borrowers’ Average FICO Score Slightly Decreased over the Last 2 Years
Debt and missed payments continue to rise, contributing to a change in the average
Using More Customer Management Tools Can Generate Millions in Incremental Profit
The benefits of active vs. passive use of FICO customer management technology are clear
FICO Fact: You Can Have No Debt and a High Credit Score!
People with no current debt can – and often do - have a credit score higher than the national average
Average Canadian FICO® Score Holds Steady at 762
Monitoring a consumer's FICO® Score helps us understand how we got here and what may lie ahead for the average FICO Score
Consumers prioritize auto over mortgage payments
What are the drivers behind this consumer shift in the loan payment hierarchy to pre-pandemic norms and is it likely to last?
Increased debt load poses risk to student loan borrowers
Student loan borrowers’ increasing debt trajectory through the pandemic has been outpacing that of non-student loan borrowers
Student loan borrowers at risk of delinquency when payments resume
Student loan borrowers already exhibiting higher delinquency rates than they did pre-pandemic on some credit products
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