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

New rules on blocking robocalls could also apply to unwanted calls — a subjective categorization with unknown implications for debt collectors.

Banks and fintechs and other FIs have an opportunity to help customers affected by federal shutdown with flexible collection solutions.

While a contact-free period makes sense from a customer experience point of view, a balance needs to be struck between this and fraud detection and prevention.