Balance roll rates — overdue balances on UK cards that go from one 30-day cycle to the next without repayment — moved sl...

FICO Scores R&D has empirically investigated potential benefits and risks associated with using some of the latest AI and machine learning approaches for credit scoring.

My presentation on “Transparency by Design: An Explainable AI Approach to Credit Risk Scoring” discusses our application of recent machine learning technologies to challenge the US FICO® Score.

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 on books 1-5 years are showing signs of debt stress - here are the facts, as well as recommendations for issuers.

How are advances in artificial intelligence and machine learning changing credit risk assessment? That’s a topic I’ll be exploring in three presentations at FICO World 2018.

Consumers who are concerned about their level of credit card debt can use a number of options and tactics to keep their credit healthy.

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.

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.

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.

Want to know which consumers will more likely default when they encounter an unpredicted financial stress situation in the future? Traditional risk scores won’t give you the full picture.