FICO Platform Launches in Indonesia
Applied Intelligence innovation brought to dynamic market with nearly 300M consumers
Are Student Loan Holders at Risk as Deferments Expire?
Factors driving credit score decreases observed among student loan holders involved behaviors such as delinquency on credit products including bankcards, auto loans, and mortgages
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
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.
Simulated FICO Score Impacts from Balance Aggregation due to Mortgage Forbearance
Research shows balance aggregation results in modest impact to FICO® Scores
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
Simulated FICO Score Impacts due to Mortgage Forbearance
Analysis identified modest impacts to FICO Scores from forbearance-related potential increases in mortgage balance.
Survey: Real-time Payments Fraud Up for 4 out of 5 APAC Banks
Additional identity and authentication technologies needed with fraud expected to increase in 2020
Truncation Bias in Score Validations: When Rejected Applications Strike Back
The set-up of a score validation can greatly influence model performance results — and sometimes inflate them
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