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The Hidden Costs of Friction: What 18,000 Consumers Revealed About Identity Verification and Account Origination

Our comprehensive survey uncovered striking regional differences in consumer priorities and behaviors, challenging conventional wisdom about what drives account selection

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

What Is First-Party Fraud? How It Occurs and How to Stop It

From banks to telcos to debt collection agencies, what looks like unrecoverable bad debt may in fact be first-party fraud - here's how to reduce its impact

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

The 6 "E"s of Enterprise Fraud Management

Navigate the complexities of enterprise fraud management with seamless orchestration, real-time detection, and scalable prevention and intervention strategies.

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

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

How to Communicate with Customers about Possible Fraud

Real-time communications play a key role for banks to balance sensible friction in fraud management with customer preferences for ease and convenience

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?

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