Evolving Landscape of Machine Learning Relative to the FICO® Score
How does progress in artificial intelligence stack up to the FICO credit score model?
Using Augmented Intelligence and Machine Learning in Credit Scoring
Blending artificial intelligence, machine learning and domain expertise in the design of credit scores - a video discussion with Agus Sudjianto
The Perfect Credit Score: Understanding the 850 FICO Score
What do credit score high achievers have in common and what can we learn from the credit behavioral characteristics in these populations?
In-depth look at the distribution of average U.S. FICO® Scores in 2022
The national average FICO Score did not go up for the first time in over a decade, a trend that’s seen at the city and state level across the nation
Explainable Machine Learning for Probability of Default Calculations
How the FICO Platform can enable explainable machine learning models for more effective PD calculations
How Transaction Analytics Transform Lending Speed and Results
Fierce competition, open banking and financial inclusion drive the uptake of transaction analytics in lending
Deep Dive into Distribution of the FICO® Score Across the US
Recent increase in the average FICO® Score is reflective, in part, of impacts that the pandemic has had on U.S. consumers’ credit behavior, credit report, and credit history.
Improving IRB and RWA Calculations with Machine Learning
Through explainable machine learning models, behavioural and PD models for the retail banking sector can be created with higher levels of predictiveness.
Does the EU Framework for Responsible AI Go Far Enough?
Whilst the EU have rightly focused on the use of AI and data science strategic leadership, more needs to be done on AI explainability
Protecting Your Credit during the Coronavirus Outbreak
Stay informed as you manage your credit health through the Coronavirus outbreak.
A Deep Dive into the Distribution of the FICO Score Across the US
What states and cities have the highest average FICO Score?
"Score a Better Future" Increases FICO Score Understanding
We answer the top 10 most asked credit scoring questions.
FICO Score Research: Explainable AI for Credit Scoring
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.
Explainable AI and the FICO Score
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.
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