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Open Source Junkies: How Much Analytic Power Do You Need?

 I’m a big fan of the Ford Bronco. In addition to the trusty Bronco I take off-roading, I’m near the top of the 125,000-person waiting list for the new model. In my years of negotiating impossible...

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How FICO Orchestrates Contextual Intelligence to Fight Fraud

I recently spoke with FICO’s Adam Davies about contextual intelligence, a new approach that banks, other financial institutions and telecommunications companies are embracing to prevent fraud and...

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ID Proofing and Authentication: Q&A with Andras Cser, Forrester

As I work with our clients – many of them large retail banks — it’s clear that identity proofing and authentication strategies are evolving. A steady stream of technology innovation has opened new...

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Reduced Revolving Debt: A Key Driver of Improved FICO Scores During Pandemic

We recently shared that the national average FICO® Score increased to 716 (as of April 2021). Our blog post on the subject highlighted that consumers in the lower score ranges were the biggest driver...

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5 Keys to Managing Merchant Risk in Onboarding & Monitoring

The impact of the recent global health crisis has been felt across many sectors and geographies, not least the payments sector that has undergone unprecedented change. Consumer habits have shifted to...

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Understanding Overdraft Programs (Part 1)

We all experience unexpected expenses such as medical bills, needing a new roof, and car repairs. Sometimes unexpected expenses hit all at once, or we haven’t put away enough in our rainy-day fund....

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Fraud Protection for P2P Payments at Point of Sale

As the world continues to move through COVID, every day can hold a surprise. A few weeks ago US economists were surprised when the Commerce Department reported that retail sales rose by 0.6% in June...

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Which Is Harder: Customer Centricity or Solving a Rubik’s Cube?

There’s a fun 40-minute documentary on Netflix called “The Speed Cubers,” about people for whom competitive Rubik’s Cube solving is somewhat of an obsession.  And it holds some useful parallels for...

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UK Card Trends: Pandemic Savings Mask Picture of Debt

Our UK Credit Market Report of UK card trends for July 2021 reveals that there was an uplift in missed payment rates, whilst spend on cards marginally fell. There was also growth in cash usage.    It...

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MacGyver-izing Your Enterprise for Digital Transformation

One of the all-time great television shows for the STEM-inclined was a 1980s action drama called MacGyver.  It starred actor Richard Dean Anderson as Angus "Mac" MacGyver, who, unlike most American...

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FICO Fact: Do FICO Scores Consider Telco and Utility Data?

Do FICO Scores Consider Telco and Utility Data?The unequivocal answer is yes! FICO® Scores have always considered telco and utility payment data that is furnished to the three nationwide U.S. credit...

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Understanding Overdraft Programs (Part 2): A New Approach to Overdraft

In our previous blog post I examined the shifting regulatory landscape, recent changes in bank overdraft program changes, and what’s next with regulations on overdraft. There has been a burst of...

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What are MVD’s and Why Do They Matter?

COVID-19 has steered a unique shift in the way people consume, interact, engage, and conduct business. As of September 2021, unprecedented uncertainties continue, making it challenging for anyone to...

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Home Credit an Award Finalist for AI-Powered Optimization

The use of AI-powered optimization by financial services firms is surging across Europe. One of the early beneficiaries of this technology is Home Credit & Finance Bank in Russia, which has just...

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Technology Convergence: Fighting Fraud and Financial Crime

I recently had the honor to participate in a panel discussion during the Aite-Novarica Financial Crime Forum. Joining me were insightful leaders from the financial industry: Trace Fooshee from...

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2022 FICO Decisions Awards Now Open

I am excited to announce that our 2022 FICO Decisions Awards are now open!We are calling on our customers who are achieving outstanding success using analytics and decision management solutions from...

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Why FICO Is a Great Place to Work for Women (and Others!)

At a time when the lack of diversity in many fields is making headlines, FICO has some great news to share. This year we have received two awards that recognize our focus on making FICO a fair and...

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UK Credit Cards: August Data Reveals Consumer Confidence

Global analytics software provider FICO today released its analysis of UK card trends for August 2021. The summer holidays and a continued reliance on pandemic savings probably contributed to a growth...

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FICO Fact: Does FICO’s Minimum Scoring Criteria Limit Consumers’ Access to...

Does FICO’s minimum scoring criteria limit consumers’ access to credit? Simply put, the answer is no. Over the last 30 years, FICO has continued to analyze the minimum amount of credit bureau data that...

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Decision Optimization: 5 Reasons You Need It More than Ever

The marketplace is now completely different from where it was before the start of the global pandemic — and it’s evolving fast. Are your decision strategies evolving as fast? Are your offers and your...

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