FICO has helped Santa deliver this Christmas - the next step in decision management is to see how he could do better next year

Until now, it has been very difficult for a lender to understand the pressures on any consumer in terms of their ability to absorb more credit and pay off the required instalments, without placing unbearable stress on their finances.

attacks on IoT devices were up 280% in the first part of 2017 and Gartner anticipates that a third of all cyber attacks will target shadow IT and IoT devices by 2020.

Lenders are looking for new ways to connect with the estimated 3 billion people worldwide who fall outside the credit ma...