2025 Bank Policy Predictions: Another Swing of the Political Pendulum
Stay ahead in 2025 with timely analysis on banking policy predictions and strategic insights for regulatory compliance professionals
Policy Predictions 2024: Navigating Regulatory Uncertainty in Banking
Upcoming US elections loom over the outlook for the US financial services industry, but regulations on AI, open banking and more are expected
The Perfect Credit Score: Understanding the 850 FICO Score
What do credit score high achievers have in common and what can we learn from the credit behavioral characteristics in these populations?
Four 2023 U.S. Policy Predictions for Financial Services Companies
Open banking, BNPL, cybersecurity and AI will all be under the microscope for regulators and policymakers, but not all areas will see major action in 2023
In-depth look at the distribution of average U.S. FICO® Scores in 2022
The national average FICO Score did not go up for the first time in over a decade, a trend that’s seen at the city and state level across the nation
Explainable Machine Learning for Probability of Default Calculations
How the FICO Platform can enable explainable machine learning models for more effective PD calculations
How Transaction Analytics Transform Lending Speed and Results
Fierce competition, open banking and financial inclusion drive the uptake of transaction analytics in lending
Deep Dive into Distribution of the FICO® Score Across the US
Recent increase in the average FICO® Score is reflective, in part, of impacts that the pandemic has had on U.S. consumers’ credit behavior, credit report, and credit history.
Improving IRB and RWA Calculations with Machine Learning
Through explainable machine learning models, behavioural and PD models for the retail banking sector can be created with higher levels of predictiveness.
Public Policy Predictions 2022: What's Coming for Financial Services
From Open Banking opportunities to overdraft rules, here are my predictions for changes in public policy
Does the EU Framework for Responsible AI Go Far Enough?
Whilst the EU have rightly focused on the use of AI and data science strategic leadership, more needs to be done on AI explainability
Financial Policy Predictions 2021: Meaningful Changes Ahead
2021 is poised to bring about some meaningful and positive developments in Washington for the financial services industry
Protecting Your Credit during the Coronavirus Outbreak
Stay informed as you manage your credit health through the Coronavirus outbreak.
Finance Policy Predictions 2020: AML, Authentication, Collections & CRA
From safeguarding your identity to fighting money laundering, here's what I predict US lawmakers will do this year
A Deep Dive into the Distribution of the FICO Score Across the US
What states and cities have the highest average FICO Score?
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