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

Alarmingly, from RFPs we’ve seen at FICO, many banks are creating systems that will either be non-compliant with SCA or will create an unacceptable customer experience

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.

Fraud communications and other interactions are increasingly seen as a vital part of the customer experience.

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