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Executive Summary: Milliman FICO® Score 10 and FICO® Score 10T Model Assessment June 2023

Milliman assessment evaluates updated FICO models coming to mortgage industry

Improving Your Efficiency Ratio: 7 Financial Institutions’ Results

See how a platform approach to enterprise intelligence allowed these banks and card processors to succeed at making digital transformation highly profitable

Digital Transformation and the Future of Insurance

Two surveys of insurance industry executives show the challenges in insurers' digital transformation initiatives - here's how a platform approach closes the gaps

2024 FICO Decisions Awards Now Open

Call for analytics and digital transformation champions!

9 Success Factors for Improving Your Bank’s Efficiency Ratio

Having an end-goal like improving your efficiency ratio is important - here's how a digital transformation program can make that happen

Business Simulation for Insurance: Best Practices and Getting Started

Business simulation can provide both the experimentation and the guardrails helping insurance companies explore multiple paths to success

US Bankcards Industry Benchmarking Trends: 2023 Q2 Update

Higher prices keep customers in a pinch from making on-time payments

Today's “No Hit” Applicant May Be Tomorrow’s Profitable Long-Term Customer

Auto-declining applicants with no credit bureau file can be a missed financial inclusion opportunity

Rising Delinquencies in Canada Point to Need for Stress Testing

Canadian cards data for the second quarter of 2023 shows the need for lenders to project unexpected rapid shock to portfolios, staffing, and expenses

UK Cards: FICO Data Shows Delinquencies and Spend Are Rising  

The impact of stubbornly high inflation is evident in changing patterns on UK credit cards 

Consumer Payment Behavior on Credit Cards Impacted by the Pandemic

The pandemic caused behavioral impacts on credit card payments of consumers for revolving products, where the minimum due is a small percentage of the current credit card balance

‘FICO Drift’: What Is It, and What Causes It?

FICO® Scores rank-order the likelihood of borrowers’ credit repayment risk - the relationship between the FICO Score and repayment odds can and does shift

Critical Ingredient to Identify Healthy Mortgage-Backed Securities

FICO® Scores: A critical element in cash flow analysis for proper valuation.

UK Cards: Spend and Balances Rose in March / April 2023

Unpredictable consumer spending puts banks on high alert as deadline for new Consumer Duty Guidance nears

Top 10 Reasons to Migrate to FICO® Score 10T

Leveraging FICO’s heritage of scoring expertise, FICO® Score 10T is built with trended credit data enabling a higher level of predictive power

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