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FICO Fact: How Current is the Data in my FICO Score?

The data reflected in your FICO® Score can be as recent as a payment reported by your lender today.

Moving Up the Ladder to Centralized Decisioning

Continually delivering business improvements is challenging - but centralized decisioning offers multiple routes to success

Digital-First Collections Doesn't Mean Dropping the Dialler

Automated dial-direct calls to late-paying customers continue to help recover around 5% of delinquent accounts

The Business Benefits of Being Decision-Centric

Now is the perfect time to make the most of your competitive advantage and take the next step to integrate a cloud-hosted platform and become truly decision-centric

ESG Goals: Hoist Finance Makes Debt Resolution Greener

As Hoist Finance shows, best practices in decision management – automation, digitization, centralization – also result in greener decisions

Fighting Bias: How Interpretable Latent Features Remove Bias in Neural Networks

FICO’s data science labs called interpretable latent feature-based neural networks (ILF NNET) help expose and eliminate biases derived from data showing up in the model.

5 Ways Credit Unions Can Be More Resilient with AI and Analytics

AI and other behavioral analytics can give you better, more actionable insights into customers' needs and risk

Ethical AI: A Breakdown with Dr. Scott Zoldi

Zoldi in conversation with Dr. Ganna Pogrebna, Professor of Business Analytics and Data Science at Columbia University

AML in the Pandemic: Three Success Stories

Three new success stories show how banks are using technology and best practices to fight AML in the pandemic

Top Challenges in Risk Management: Are Your Risk Models Working?

At FICO’s UK CRO Summit, industry leaders shared approaches to managing risk models in the pandemic and other challenges in risk management

The Five Pillars of a Decision Management Platform

A decision management platform approach makes competitive differentiation far easier by providing an organization’s "brain and central nervous system"

Simulated FICO Score Impacts from Balance Aggregation due to Mortgage Forbearance

Research shows balance aggregation results in modest impact to FICO® Scores

FICO’s New AI Playbook: How to Achieve Responsible AI

The Responsible AI Playbook provides a clear path to operationalizing AI deployments. Use it to achieve high-impact business results within important ethical and legal boundaries.

Decision Optimization: 5 Reasons You Need It More than Ever

In an uncertain environment, decision optimization gives you what you need most - speed and control

UK Credit Cards: August Data Reveals Consumer Confidence

August saw a two-year low in consumers paying less than the amount due on cards, although signs of financial pressure can be seen

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