New Analytics for Emerging Payments
Payment cards are changing. Whereas a plastic card used to access a single funding account, now we increasingly see card...
Scott Zoldi
Dr. Scott Zoldi is chief analytics officer at FICO, responsible for artificial intelligence (AI) and analytic innovation across FICO's product and technology solutions. Dr. Scott Zoldi has been listed as an inventor on 116 AI and software patents, in collaboration with other data and analytic scientists, and he is also named on an additional 46 patent applications in process. Scott is an industry leader in the responsible use of AI, Generative AI (GenAI), and Agentic AI, as well as an outspoken proponent of AI governance and regulation. His groundbreaking work in focused language models (FLMs) for GenAI and a patented use of blockchain technology for AI model development governance has helped propel Scott to AI visionary status. His recent awards include Constellation Research Award AI150, Tech Leadership Award from Banking Tech Awards, Tech Influencer Highly Commendable Award from DataIQ Data & AI Awards, San Diego Business Journal - Leaders of Influence in Technology (2025); Tech Leadership - Software & Services Provider from Fintech Futures, MachineCon AI100 Award, Innovator Award from American Banker (2024); Global Finance Innovator Award (FICO) (2023); and Corinium Future Thinking Award (2022). An enthusiastic member of the southern California tech community, Scott serves on the Boards of Directors of Software San Diego and the San Diego Cyber Center of Excellence. He received his Ph.D. degree in theoretical and computational physics from Duke University, and his work has been published in The Harvard Business Review and numerous scientific journals.
When not at his office or on a plane, Scott can often be found in his Ford Bronco, exploring the desert around San Diego with his family. To hear more of his views follow Scott on LinkedIn and BlueSky @ScottZoldi.
When not at his office or on a plane, Scott can often be found in his Ford Bronco, exploring the desert around San Diego with his family. To hear more of his views follow Scott on LinkedIn and BlueSky @ScottZoldi.
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Changing payments means changing fraud detection
The traditional credit/debit card has become passé—at least in terms of having a single device with access to only one f...
Closing the Gap on Fraud Model Degradation
Fraudsters are continually adjusting their strategies to circumvent fraud detection systems. In my last few posts, I'...
Strengthening conventional fraud detection
Financial institutions are always looking for ways to combat newer fraud schemes—schemes that arise between fraud model ...
How can fraud models combat new tricks?
The fight against payment card fraud resembles an arms race. Card issuers are deploying ever more sophisticated anti-fra...
Mobile Banking Fraud Part #2: Fraud Detection Essentials
In an earlier post, I discussed vulnerabilities associated with mobile devices that drive up fraud risk for banking and ...
Mobile Banking Fraud Part #1: Vulnerabilities of Mobile Devices
Mobile devices are changing the payments landscape.  More mobile devices are becoming equipped with near-field con...
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