AI Predictions 2022: The Great Humbling of AI
I predict that Auditable AI and Humble AI will become widely used in 2022, as essential parts of Responsible AI
UK Credit Card Trends for September: Calm Before the Storm?
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?
Fighting Bias: How Interpretable Latent Features Remove Bias in Neural Networks
FICO’s data science labs called interpretable latent feature-based neural networks (ILF NNET) help expose and eliminate biases derived from data showing up in the model.
FICO’s New AI Playbook: How to Achieve Responsible AI
The Responsible AI Playbook provides a clear path to operationalizing AI deployments. Use it to achieve high-impact business results within important ethical and legal boundaries.
UK Credit Cards: August Data Reveals Consumer Confidence
August saw a two-year low in consumers paying less than the amount due on cards, although signs of financial pressure can be seen
UK Card Trends: Pandemic Savings Mask Picture of Debt
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
Open Source Junkies: How Much Analytic Power Do You Need?
Data scientists need to justify the need for the incremental risk we assume when using more complicated methods to solve a problem - not be open source junkies
The Impact of COVID-19 on Credit Card Payments
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
The Impact of COVID-19 on Credit Card Trends - US, UK, Canada
Looking at trends for activity, utilization, spend, balances, usage, interest reveals new focus areas for issuers
UK Credit Market Report June 2021: Spending Tops 2019 Level
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
UK Credit Card Data Shows Cardholder Caution
Markedly lower increase in card spend shows how consumers are reacting to the 'new normal'
Beyond Responsible AI: 8 Steps to Auditable Artificial Intelligence
Auditable AI provides the documentation and records necessary to pass a regulatory review
UK Credit Market Report April: Credit Card Spend Up 12 Percent
End of lockdown spurs spending, but continued government support and accrued savings blur the true picture of UK debt
FICO Integrates Fraud and Scam Detection in FICO Falcon Retail Banking 3.0 Model
FICO’s new Scam Detection Score identifies 50% more scam transactions compared to the standard fraud score
It’s 2021. Do You Know What Your AI Is Doing?
New "State of Responsible AI" report from Corinium and FICO finds that most companies don’t—and are deploying artificial intelligence at significant risk
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