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These are exciting times for analytics-powered decision management, with breakthroughs in AI and machine learning creating new ways to make every decision smarter. At the same time, regulators in the US and around the world are grappling with technology changes and the potential risk to customers. What does 2019 hold? We asked a set of thought leaders at FICO to give us their predictions. For more information on these topics, check out the FICO Blog (www.fico.com/blogs) and the FICO Community (https:// community.fico.com/s/blogs).