Following on from my previous post on persistent debt, here I’m tackling the topic of preventing customers from falling into persistent debt.

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...

Detective Jesse Gossman provides insights on how to better fight synthetic identity fraud and fake Social Security numbers through multiple layers.

In this video, fraud investigator Jesse Gossman discusses how synthetic identities are created, and why they look so real.

In this video, detective Jesse Gossman shares how synthetic identities are used, and the risks associated with Credit Profile Numbers (CPNs).

It’s a harsh truth that while data and technology in the fraud business abound, true domain expertise is a scarce resource. We speak to Andy Procter, FICO’s own fraud specialist about how to fight identity fraud,

Where in your fraud controls should you be considering post-book controls? And where can you work better with your partners in risk to mitigate losses?

Machine learning analytics must be a critical part of a financial institution’s application fraud control strategy.

Want to learn why application fraud is on the rise? In this clip, I share insights into the three major drivers beyond the tremendous YoY growth rates.

I spoke with one of FICO’s principal scientists, Derek Dempsey, who shared how AI and machine learning are solving problems in application fraud.

Machine learning in fraud detection performs better when we know the strengths and limitations of different analytic toolkits, and understand the factors that determine accuracy.