Why the holistic customer view is even more critical
Dodd-Frank is just the latest in a succession of game-changing regulations that have rocked the financial services indus...
Andrew Jennings
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Should you trust “click-click-click” modeling?
Many of today’s announcements around analytic innovation focus on the need to use analytics to crunch through petabytes ...
Change the model, not the tree
In an earlier post, I wrote about the importance of the decision model. The decision model seems complicated, because mo...
It's all about the decision
In a recent blog post from Vinnie Mirchandani on why companies aren’t ready for analytics, he noted that “most analysts ...
Analytics as an interactive planning tool
While the full impact of Dodd-Frank is yet to be felt, it’s clear that banks will face meaningful pressure on profits as...
FICO survey finds delinquencies expected to rise
Credit card defaults fell to a 15-month low in July, according to Fitch Ratings. Michael Dean, a managing director at Fi...
New FICO survey reveals a growing credit gap
After a summer of turbulent economic news, there's new evidence of a growing “credit gap” for U.S. consumers—in othe...
The culture of experimentation
Experimentation is in the news. Not surprisingly, it features large in my contributions and in the last couple of days i...
In a changing market, use decision strategies to learn
Posted by Dr. Andrew Jennings, FICO Chief Research Officer and Head of FICO Labs
Credit issuers are very familiar with ...
Analytic imperative: Model the decision
Posted by Dr. Andrew Jennings, FICO Chief Research Officer and Head of FICO Labs
In my paper on the new imperatives for...
Ask better questions
Posted by Dr. Andrew Jennings, FICO Chief Research Officer and Head of FICO Labs
No one doubts that more data and more ...
Is there a growing credit gap?
Understanding the forces behind the demand for and supply of consumer credit is something of a guessing game, as the eco...
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