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
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
The Santa Challenge 5: Learn and Improve!
FICO has helped Santa deliver this Christmas - the next step in decision management is to see how he could do better next year
Analytics Reveal What New Credit UK Consumers Can Afford
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.
Psychometrics and FICO Scores — An Odd Match?
Lenders are looking for new ways to connect with the estimated 3 billion people worldwide who fall outside the credit ma...
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