Half of bankers say 2012 will be less profitable for banks
Last week the Bank of England released a study showing that UK bankers’ confidence has dipped sharply over the last six ...
Andrew Jennings
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Rising Stars v. Fallen Angels: Insights into changing credit behavior
FICO® Score migration patterns offer significant insight into consumer credit behavior. There's much to be learned b...
Analytics for more profitable originations
One way FICO clients are boosting profits in originations is by using analytics that provide critical insights into a wi...
European borrowers headed for trouble
The latest European Credit Risk Outlook, based on a survey of risk managers by FICO and Efma, gives a different picture ...
Needed: A consumer-led recovery
In his keynote address at FICO World 2011 this morning, FICO CEO Mark Greene laid out an imperative for economic recover...
Consumer credit is still dicey
In my last blog post, I noted that the results of our quarterly survey of bank risk managers were quite negative on the ...
Is it really all doom and gloom in the U.S. housing sector?
In our latest quarterly survey of U.S. bank risk professionals, respondents offered an outright dismal picture of the ho...
Origination strategies of the best-in-class
In a recent post, I broke down a simplified origination decision model to illustrate how it can be used to improve decis...
Bankers lose a bit of confidence in small businesses
In our quarterly survey of bankers, we look at banker sentiment for both consumer and small business credit.  Unli...
Cautious optimism regarding consumer credit
As we do every quarter, we conducted a survey of U.S. bank risk professionals in Q2.  Our survey found that banker...
Breaking down an origination decision model
While decision modeling and optimization are employed by top financial services firms in some decision areas, they have ...
The UK’s Second Important Wedding Benefits Banks
As anyone following the economic situation in the UK knows, these are trying times for banks and consumers alike. The Ba...
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