Benchmarking data can help you evaluate strategies, identify focus areas for your portfolio, and provide information to auditors and regulators

ACT has reduced the time required to assemble test forms from 2-4 weeks to 2 days

FICO CMO Nikhil Behl talks to some of our leading EMEA talent

FICO CMO Nikhil Behl talks to some of our leading EMEA talent

FICO CMO Nikhil Behl talks to some of our leading EMEA talent

2-cycle balances growing for cards raise issues around Persistent Debt

Beyond The Transaction To The Prediction

This Infographic Showcases 9 Companies Around the World and their Success Stories

FICO’s Decision Heroes are ordinary people who can help you make some extraordinarily good decisions! It is that simple.

My last two posts on persistent debt in the UK focused on compliance and prevention. Here’s a different angle: Can issuers actually compete in this area?

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.