Enterprise intelligence that powers digital customer experiences has never been more advanced — so why are 70% of digital transformations floundering?

Disjointed digital customer experiences are causing banking and insurance customers to flee in record numbers

If you are reacting to customer and competitor actions, you are already behind; but enterprise intelligence can get you back in the game

How the FICO Platform can enable explainable machine learning models for more effective PD calculations

Fierce competition, open banking and financial inclusion drive the uptake of transaction analytics in lending

Through explainable machine learning models, behavioural and PD models for the retail banking sector can be created with higher levels of predictiveness.

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

The real trick to beating the bad guys, like digital disruptors, is outsmarting them

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

Achieving customer centricity without a decisioning platform can be as hit-or-miss as solving a Rubik’s Cube and its quintillion possible combinations

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'