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In this feature for Impact magazine, published by the OR Society in the UK, FICO Chief Analytics Officer Andrew Jennings explains how all the decisions related to the credit card lifecycle – from marketing and originations through fraud and collections – are governed by analytics, adaptive control and other fundamentals of operations research. Covering the history of credit analytics from the credit score through prescriptive analytics, the article also deep dives into the latest fraud analytic capabilities that protect cardholders and reduce false positives.