Decision science and predictive analytics can enable businesses to make the most of all available data to anticipate customer needs and prescribe the best action.

Adopting machine learning to enhance not just the accuracy of models but also drive efficiency is critical to amplify a key asset - the analytic team – and stay competitive.

Alarmingly, from RFPs we’ve seen at FICO, many banks are creating systems that will either be non-compliant with SCA or will create an unacceptable customer experience

Until now, it has been very difficult for a lender to understand the pressures on any consumer in terms of their ability to absorb more credit and pay off the required instalments, without placing unbearable stress on their finances.

Fraud communications and other interactions are increasingly seen as a vital part of the customer experience.

Lenders are looking for new ways to connect with the estimated 3 billion people worldwide who fall outside the credit ma...