Composable Architectures: Why Now and What’s Next
Composable architectures are driving IT’s evolution by enabling greater flexibility, scalability and resilience
What Is Intelligent Feature Management? Why Is It Essential?
Intelligent feature management is a disciplined approach to identifying, creating, managing, and utilizing enriched data assets
Transform Your Bank’s Customer Acquisition with Real-Time Decisioning
A FICO World session on how automation and real-time decisioning are transforming customer onboarding for financial institutions
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?
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
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'
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
UK Credit Market Report March 2021: Early Warning Signs
FICO data shows true state of consumer finances still masked in March; April will be pivotal for lenders
UK Cards in the Pandemic: New Data on Overlimit Requests
The increase in the amounts being requested and the fact that a higher proportion are being declined could help identify a sub population that is now riskier
How to Set Up a Cross-Sell Campaign to Get New Cardholders
A cross-sell campaign to your existing customers can be a relatively quick and profitable exercise compared to new accounts - here are tips and best practices for setting it up
UK Credit Cards Report Shows Financial Stress and Less Spend
Latest FICO data on UK credit cards patterns shows more signs of stress for many, while lockdown has helped others
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