Can the banking industry match the innovative approaches used in utilities?

The national average FICO Score has steadily risen over the past decade

For the first time, the average FICO® Score in the U.S. has reached 704, showing a steady upward trend in US credit quality.

FICO conducted a research project to see just how much lift unconstrained, state-of-the-art ML techniques might offer over the FICO Score.

FICO regularly tracks the national FICO Score distribution as an important gauge of US consumer credit behavior.