How Composability Helps Banks Reimagine Operational Efficiency and Agility
To get ahead in today’s digital ecosystem, banks need a modular technology architecture that can flex to meet myriad decisioning needs
The Perfect Credit Score: Understanding the 850 FICO Score
What do credit score high achievers have in common and what can we learn from the credit behavioral characteristics in these populations?
Increased debt load poses risk to student loan borrowers
Student loan borrowers’ increasing debt trajectory through the pandemic has been outpacing that of non-student loan borrowers
Student loan borrowers at risk of delinquency when payments resume
Student loan borrowers already exhibiting higher delinquency rates than they did pre-pandemic on some credit products
Executive Summary: Milliman FICO® Score 10 and FICO® Score 10T Model Assessment June 2023
Milliman assessment evaluates updated FICO models coming to mortgage industry
2024 FICO Decisions Awards Now Open
Call for analytics and digital transformation champions!
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
‘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.
Prosper Extends Credit Access to 200K Near-Prime Clients with FICO Scores
Pioneer of peer-to-peer lending marketplace in the United States wins FICO® Decisions Award for Financial Inclusion
Hyper-Personalization Survey Highlights Boardrooms' Blind Spots
New study from Forrester shows the value of hyper-personalization and the gaps businesses face today
Top 5 Customer Development Posts of 2022: Digital Banking and Pricing Opti
The most popular posts in our Customer Development category dealt with digital banking, optimizing credit line increases, loan pricing and machine learning for credit risk models.
Top 5 Scores Posts of 2022: Steady FICO Score, BNPL and Alternative Data
2022 marked the first year in over a decade the average FICO Score did not increase, while the industry’s attention remained on topics such as alternative data and BNPL.
Four 2023 U.S. Policy Predictions for Financial Services Companies
Open banking, BNPL, cybersecurity and AI will all be under the microscope for regulators and policymakers, but not all areas will see major action in 2023
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