While issuers have already started the actions prescribed by the FCA's persistent debt regulations, there is still a sizeable amount of work to complete and opportunities to be identified.

With over £40 billion of unused exposure on inactive UK cards and over £50 billion on active UK cards there is the potential for huge losses if consumers start to eat into these limits.

Our analysis of UK cards data from the FICO Benchmarking Service has revealed some troubling trends in UK cards delinquencies. All average delinquent balances reached over two-year highs in the fourth quarter of 2018.

Following on from evaluating the roll rate results, this blog looks at the static delinquency levels, accounts remaining at the same level of delinquency.

Balance roll rates — overdue balances on UK cards that go from one 30-day cycle to the next without repayment — moved sl...

A key component of stopping fraud, waste and abuse is to focus on your most productive targets: Who or what should be the focus of your payment integrity program?

AI and machine learning have become popular concepts in payment integrity. But how can they help reduce your losses to health care fraud, waste and abuse?

The introduction of IFRS 9 will mean focus is placed on pre-delinquency — treatment of accounts before they exceed limits or miss payments.

UK cards on books 1-5 years are showing signs of debt stress - here are the facts, as well as recommendations for issuers.

Consumers who are concerned about their level of credit card debt can use a number of options and tactics to keep their credit healthy.

In reviewing our data from the FICO Benchmarking Service, for users of FICO TRIAD Customer Manager, I saw some interesting long-term trends and some signs of potential debt stress, particularly among accounts 1-5 years on book.

Given the negative impact of fraud, waste and abuse on health care, it’s in every payer’s interest to focus on these problems. 

So how does a health care payer measure success in payment integrity? How much is enough?

The introduction of two initiatives in the UK credit card market may see an increase in the promotion and take-up of Directs Debit, and greater flexibility offered to those paying this way.

Over the past few months, the percentage of new Irish card accounts that are delinquent has climbed to around 10%, more than twice the average for UK cards.