Among the major banks in Canada, more than 60% that have already made the transition to the Cloud and we fully expect the others to follow suit in the new year.

With much of the dramatic shift in the U.S. regulatory landscape complete, we are moving to the next stage, which will focus more on efforts to adopt regulatory reform.

I'm forecasting that in 2018, my wallet will become slimmer as physical (plastic) credit cards are replaced with payment apps on my smart phone.

The idea of reducing the friction between customer need and targeted product offering is nothing new, but clearly the thought of a dialog-based interaction replacing the traditional application form is quite appealing.

When we talk about brute force application fraud and bot-net attacks, what are we really talking about?

In 2017, collections professionals were pulled by regulations, digital transformation, customer demands and new ways of working. Will 2018 be better?

We are launching a campaign to counter the widespread misinformation regarding important credit scoring facts and how to expand credit access responsibly.

Looking ahead to 2018, I predict a rising trend for organizations to do four things better than today in the realm of financial crime.

Optimization is an analytic approach to evaluate and discover successful decision strategies that meet one or more sometimes conflicting business objectives.

Instead of connecting one analytic powered decision solution to another, our customers are asking us to plan out a full, enterprise-wide, centralized decision solution.

Here are some of the top things I think we'll see among the 31+ flavors of AI in 2018.

Across product development, sales and our Fair Isaac Advisors consultancy group, our fraud team has grown by 23% over the last year.

In terms of detecting fraudulent card transactions, there’s only one data source that offers the most predictive power, hands down: other card transactions, and lots of them.