The New Breed of Debtor
The economic crisis of the past few years has created a new breed of debtor. In FICO’s research, these people have somet...
Daniel Melo
Daniel Melo is a senior partner in Global Partners & Alliances. Daniel has more than 20 years of experience in credit, collections and risk management for large financial institutions in Europe and the Americas. His expertise spans all aspects of the credit lifecycle, working on analytics and scorecard development, strategy and change management, and direct operational management. Daniel has worked extensively solving client problems during volatile economic periods, particularly in credit risk management and debt collection, and in emerging markets.
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Europeans are Walking the Walk — to Another Bank
One reason banks have been less proactive about customer service than they might have been is that they could count on c...
Credit Card and Personal Loan Delinquencies Pull Down Russian Credit Health Index
Q2 data from FICO and the National Bureau of Credit Histories (NBKI), Russia’s leading credit bureau, shows that the ris...
UK Cardholders Are Careful to Avoid Overlimit Penalties
There were three important messages about cardholder behavior coded in the latest FICO data on UK card performance.
...
Even Risk Managers Put Customer Experience as Priority
92% of bankers surveyed at FICO World 2013 last week in Miami said improving the customer experience at their company is...
The Credit Gap in Europe May Be Poised to Shrink
FICO and Efma have just published the seventh European Credit Risk Outlook, in which bankers across the region forecast ...
"I Hate My Bank But Love My Phone"
“Young people are distrustful, disengaged and disloyal towards their bank and are therefore more likely to switch betwee...
Infographic: Who’s Leading the Mobile Banking Revolution?
I recently blogged here about the fact that your customers are more ready for mobile banking than you are. FICO’s new in...
New Russian Borrowers Drive Late Payments Higher
One of the challenges in any market experiencing rapid credit growth is getting new borrowers to understand how to manag...
One Collector's Challenge May Be Another's Opportunity
One could argue that collections is going through a paradigm
shift. Over the past decade, technological, social and ec...
Are UK Cardholders Clinging to the Life Raft?
Over the past few quarters, I’ve commented on the generally positive card management trends shown by UK cardholders. It ...
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