FICO has helped Santa deliver this Christmas - the next step in decision management is to see how he could do better next year

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.

Drexel University’s LeBow College of Business and CIO.com have named analytic software firm FICO a winner of the Analytics 50 Awards for the second year in a row.

Lenders are looking for new ways to connect with the estimated 3 billion people worldwide who fall outside the credit ma...