Survey reveals issuer response to the CARD Act
When the CARD Act went into effect last year, compliance and rising delinquencies commanded the attention of card issuer...
Andrew Jennings
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More Hopeful Signs in Latest Banker Survey
As I mentioned a couple days ago on the blog, FICO’s most recent quarterly survey of bank risk officers gave us plenty o...
Finally … Optimism Among U.S. Bankers
Each quarter we survey a couple hundred bank risk officers about their expectations for consumer (and small business) cr...
Post-crisis risk management
The advent of the economic crisis caused some core beliefs in traditional risk management to be tested. We had our very ...
Connecting decisions at originations
In a recent post, I made the case for why lenders must be able to consistently make profitable originations decisions in...
“Get it right from the start” at originations
Today the accuracy of origination decisions is more important than ever. As banks require more capital in the wake of th...
What can banks learn from retailers?
Banking profits are up. Back in the summer, banks like HSBC and BNP declared record profits. Lloyds bank returned to pro...
100 patents that changed banking
FICO has just hit a major innovation milestone — we have now been granted 100 patents over the past 20 years. You can re...
Risk Managers Say: Getting Credit Won’t Get Easier Yet
We just announced the results of our quarterly survey of U.S. bank risk officers. It looks like the “credit gap” facing ...
Refining customer segmentation
Customer segmentation based on analytics for customer risk, attrition, response likelihood and other aspects are de rigu...
Accelerating product innovation and new revenue
The recent spate of regulatory reform that is capped by Dodd-Frank will inhibit institutional profits by either expressl...
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