Skip to main content
warning

The FICO Data Privacy Policy explains FICO’s collection and use of cookies. Cookies help us remember your settings to provide you with a better browsing experience; allow us to assess, monitor, and improve the website’s performance; and enable our partners to advertise to you. You may disable the cookies by changing the settings in your browser, and you may tell us not to share your cookie data with third parties. By using this website, you consent to the use of cookies as described in the FICO Data Privacy Policy.

Blog Blog
  • Authors
  • News
  • Events
  • Contact

    Topics

    Please select the blog topics that you are interested in (select all):

    • Email
    • RSS
    • ATOM
    • RDF
    Invalid email address
    CHECK YOUR FICO® SCORE
    • Authors
    • News
    • Events
    • Contact

    Topics

    Please select the blog topics that you are interested in (select all):

    • Email
    • RSS
    • ATOM
    • RDF
    Invalid email address
    Gerald Fahner

    Gerald Fahner

    All posts by Gerald Fahner

    Dr. Gerald Fahner is Senior Principal Scientist in FICO’s Scores division. He specializes on innovative algorithms that turn data and domain knowledge into superior insights, predictions, and decisions. Gerald is also responsible for the core algorithms underlying FICO’s Scorecard development platform. His work on causal modelling won the Best Paper award at the Credit Scoring and Credit Control XI conference and was also awarded a patent. Gerald also holds patents in the areas of marketing analytics and analytic value chain modeling. Prior to joining FICO in 1996, he served as a researcher in artificial intelligence, neural networks and robotics at the International Computer Science Institute in Berkeley, and earned his Computer Science doctorate from University of Bonn.

    Filter Posts By:

    • FICO Score Research: Explainable AI for Credit Scoring
      January 31, 2019
      Scoring Solutions

      Is there hope that artificial intelligence and machine learning approaches might soon “square the circle” of delivering superior pattern recognition and prediction, while also adhering to regulatory compliance? The field of explainable AI (xAI) may hold the answer. FICO's research team explored this topic in a new paper, “Developing Transparent Credit Risk Scorecar…

      Gerald Fahner by Gerald Fahner
    • Explainable AI and the FICO Score
      November 14, 2018
      Scoring Solutions

      Explainable AI — or algorithmic transparency — is a hot topic in predictive analytics, even in the realm of credit scoring. This is what I’ll address in my presentation on November 19 at the International Conference on Data Analytics in Athens. My presentation on “Transparency by Design: An Explainable AI Approach to Credit Risk Scoring” discusses our application o…

      Gerald Fahner by Gerald Fahner
    • FICO Scores, Artificial Intelligence and Machine Learning
      April 06, 2018
      Customer Development

      How are advances in artificial intelligence and machine learning changing credit risk assessment? That’s a topic I’ll be exploring in three presentations at FICO World 2018, April 16-19 in Miami Beach. These three presentations have a common thread: How FICO applies artificial intelligence and machine learning not as a “silver bullet” but carefully balanced with huma…

      Gerald Fahner by Gerald Fahner
    • How New Risk Analytics Stress-Test Individual Consumers
      October 25, 2017
      Customer Development

      Want to know which consumers will more likely default when they encounter an unpredicted financial stress in the future? Traditional risk scores won’t give you the full picture. My presentation at the recent Credit Scoring and Credit Control conference on the topic of “Estimating Consumer Default Sensitivities to Financial Stress Factors through Counterfactual Analy…

      Gerald Fahner by Gerald Fahner
    • Four Ways We Can Build Trust in Analytics
      February 25, 2016
      Decision Management

      As analytic advancements reach ever deeper into people’s lives — as every aspect of individuals is analyzed to drive decisions by businesses and other institutions — the need for people to trust analytics and the way organizations use them grows. This issue arose in a recent announcement from the industry analyst firm Gartner.  Gartner ”believes the trust factors inf…

      Gerald Fahner by Gerald Fahner
    • Engaging Fickle Customers and Tackling Silent Attrition
      August 24, 2015
      Decision Management

      At the Credit Scoring and Credit Control XIV conference August 26-28, I will be discussing innovative analytic techniques and applications revolving around engaging fickle customers and tackling silent attrition.  Here is a preview of my talk: Everyone knows the ideal customer: frequent shopper, highly profitable, engaged, loyal. But in today’s competitive markets th…

      Gerald Fahner by Gerald Fahner
    • Superior Scorecards at Warp Speed: Algorithmic Learning Meets Domain Expertise
      October 07, 2013
      Decision Management

      By Dr. Gerald Fahner Today, debates are raging in blogs as to whether Big Data and machine learning render domain expertise obsolete. Personally, I do not think it is an either or decision. I like to design effective processes and tools to transfer critical domain expertise into algorithmic models. FICO has developed an innovative approach to develop better, business…

      Gerald Fahner by Gerald Fahner
    • What’s Even Better than Big Data? Designed Big Data!
      July 24, 2013
      Decision Management

      By Dr. Gerald Fahner During the dawn of commercialized analytics, in 1958, FICO applied predictive modeling to credit decisions. In the 90’s Edward Lewis wisely instructed credit professionals not to interpret dependencies captured by scoring models as causal effects: “Causality is a dangerous myth” [1] (pg.1). Kenneth Cukier and Victor Mayer-Schönberger described […

      Gerald Fahner by Gerald Fahner
    • FICO World Preview: Combining Machine Learning and Human Expertise to Engineer Better Predictive Models
      March 13, 2013
      Decision Management

      By Dr. Gerald Fahner In the Harvard Business Review article “Good Data Won’t Guarantee Good Decisions,” Shvetank Shah, Andrew Horne and Jaime Capellá argued that “Big Data” won’t live up to its promises to lead to better business decisions, unless complemented with educated human judgment. It divided decision makers into three groups: Unquestioning empiricists wh…

      Gerald Fahner by Gerald Fahner
    Show More
    • Authors
    • News
    • Events
    • Contact
    Blog

    © 2019 Fair Isaac Corporation. All rights reserved. FICO, the FICO Logo and the FICO product and service names referenced herein are trademarks or registered trademarks of Fair Isaac Corporation in the United States and in other countries. Other product and company names herein may be trademarks of their respective owners.