How Machine Learning Fights "Hypnofraud"
Hypnofraud refers to the success fraudsters are having with convincing people to give them their account data - but the fraud based on this can be detected and stopped.
Managing Pre-Delinquency Under IFRS 9 & Persistent Debt
The introduction of IFRS 9 will mean focus is placed on pre-delinquency — treatment of accounts before they exceed limits or miss payments.
UK Cards Show Signs of Post-Christmas Debt Stress
UK cards on books 1-5 years are showing signs of debt stress - here are the facts, as well as recommendations for issuers.
Decision Management Maturity: Raise Yours at FICO World
The DM3 provides an accurate and actionable segmentation of users and businesses against their current capabilities, requirements, skills and end-state objectives.
Machine Learning Improves CNP Fraud Detection Rates by 30%*
FICO’s new machine learning models are much more sensitive to abnormal single transactions, allowing CNP fraud to be detected quickly.
5 Tips for Avoiding Credit Card Debt Problems
Consumers who are concerned about their level of credit card debt can use a number of options and tactics to keep their credit healthy.
Origination Scores: Say “Yes” to More Credit Applicants
Origination scores add significant value above and beyond the FICO® Score, which is based solely on the data found in a consumer’s credit bureau file.
UK Cards: Signs of Debt Stress in Accounts 1-5 Years Old
In reviewing our data from the FICO Benchmarking Service, for users of FICO TRIAD Customer Manager, I saw some interesting long-term trends and some signs of potential debt stress, particularly among accounts 1-5 years on book.
Unsupervised Learning Part 2: The AML Connection
Today’s post covers three categories of unsupervised learning that FICO has investigated, refined and put into our anti-money laundering (AML) solutions.
E-Commerce Fraud: Machine Learning Speeds Detection
FICO's new CNP fraud detection models have been developed to detect fraudulent e-commerce fraud transactions as quickly as possible, to prevent significant fraud loss from an account.
How Direct Debits Can Help with Persistent Debt and IFRS 9
The introduction of two initiatives in the UK credit card market may see an increase in the promotion and take-up of Directs Debit, and greater flexibility offered to those paying this way.
FICO Data: Warning Signs for New Card Accounts in Ireland
Over the past few months, the percentage of new Irish card accounts that are delinquent has climbed to around 10%, more than twice the average for UK cards.
Today’s Deep Dive: Innovative Unsupervised Learning in AI
This two-part blog unpacks the mysteries of two very different AI techniques: supervised and unsupervised learning.
IoT: Will Your Car Let You Drive Home from the Bar?
In my new post on TechTarget's IoT Agenda, I explore how behavioral analytics could change driving for the better.
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