Using SMS, RCS and WhatsApp in Omni-Channel Communications
Lenders in Brazil can improve collections and fraud strategies by optimizing the balance of digital message channels
Evolving Landscape of Machine Learning Relative to the FICO® Score
How does progress in artificial intelligence stack up to the FICO credit score model?
FICO’s Leadership in Optimization – Interview with Timo Berthold
In his interview for the podcast “Subject to”, FICO’s Timo Berthold discusses his career in computational optimization and mixed integer programming
FICO Scientist Honored at Leading Operational Research Conference
FICO’s Claudio Gambella was a member of a team awarded at EURO 2024 for its work in mathematical optimization
Credit and Risk Trends in Brazil Highlight Need for Tailored Treatment
July data shows Brazil's credit portfolio is in good shape - combined with a decline in delinquency, this makes a fertile ground for credit granting
Brazilian Credit Risk Trends Reveal Growth Opportunities
This deep dive into the credit health of the Brazilian market presents a positive national scenario, leading to recommendations for growth in multiple credit products
Using Augmented Intelligence and Machine Learning in Credit Scoring
Blending artificial intelligence, machine learning and domain expertise in the design of credit scores - a video discussion with Agus Sudjianto
Advancing the Science of Optimization: FICO & Zuse Institute Berlin
FICO partners with Zuse Institute Berlin on critical research into mathematical optimization
The Power of Optimization: Solving a Dire Water Access Problem
The SEIO-BBVA prize for best applied contribution in operations research goes to a team including FICO’s Selene Silvestri
The Santa Challenge 4: Fly with Fewer Reindeer!
Two of Santa's reindeer are self-isolating - how can he make the flight with less speed? FICO optimization shows him how!
FICO Score Research: Explainable AI for Credit Scoring
FICO Scores R&D has empirically investigated potential benefits and risks associated with using some of the latest AI and machine learning approaches for credit scoring.
MIP Benchmarking: Don't Abuse the Standards
The mathematical optimization community already has a clear set of standards for MIP benchmarking - these should be followed.
Explainable AI and the FICO Score
My presentation on “Transparency by Design: An Explainable AI Approach to Credit Risk Scoring” discusses our application of recent machine learning technologies to challenge the US FICO® Score.
FICO Scores, Artificial Intelligence and Machine Learning
How are advances in artificial intelligence and machine learning changing credit risk assessment? That’s a topic I’ll be exploring in three presentations at FICO World 2018.
How New Risk Analytics Stress-Test Individual Consumers
Want to know which consumers will more likely default when they encounter an unpredicted financial stress situation in the future? Traditional risk scores won’t give you the full picture.
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