As merchant acquiring models evolve, fraud management must expand beyond traditional transaction monitoring toward a broader view of ecosystem governance

Merchant acquirers now demand sophisticated onboarding automation, dynamic pricing intelligence, and predictive analytics to win and retain profitable merchant relationships

Improve customer management and reduce losses from check fraud by managing payment hold strategies using analytics

Enhance your customer management strategies to boost enterprise revenue through overlimit authorisations

The benefits of active vs. passive use of FICO customer management technology are clear

Monthly report on UK credit card trends shows financial prudence with spending down and percentage of payments to balance up – but will lockdown stashes save the day or fade away?

August saw a two-year low in consumers paying less than the amount due on cards, although signs of financial pressure can be seen

Our UK Credit Market Report of UK card trends for July 2021 reveals that there was an uplift in missed payment rates, whilst spend on cards marginally fell

Credit card trends for payments and delinquencies show similar patterns in the US, the UK and Canada, though extra savings and government support are masking the pandemic's impact

Looking at trends for activity, utilization, spend, balances, usage, interest reveals new focus areas for issuers

Credit card spend 3.5% higher than June 2019, suggesting some households are benefitting from pandemic savings, but not everyone is confident in financial position

Markedly lower increase in card spend shows how consumers are reacting to the 'new normal'

End of lockdown spurs spending, but continued government support and accrued savings blur the true picture of UK debt

FICO data shows true state of consumer finances still masked in March; April will be pivotal for lenders

The increase in the amounts being requested and the fact that a higher proportion are being declined could help identify a sub population that is now riskier