FICO

JANUARY 21, 2020

FICO is a world leader in credit scoring, with credit scores in some 30 countries. The Empirica Score features the following two components: An Account Origination score, which rates the risk of a credit applicant at account origination. Account Origination Analysis Shows Downward Shift in Risk.

Credit Risk 52

Credit Risk Risk Economy Origination 52

FICO

DECEMBER 8, 2022

Leveraging FICO Resilience Index to refine credit risk management decisions during benign economic phases defends against dramatic swings in delinquency rates and provides for a more consistent portfolio risk management approach over time. Of course, credit risk management is only one aspect of portfolio health.

Addressing 52

Addressing Risk Credit Limit Risk Management 52

FICO

DECEMBER 11, 2018

Calculating an appropriate and timely offer for a credit limit increase is made more accurate by reassessing customers with the FICO® Score, which analyzes their credit bureau data from all their credit accounts. Until now they have only been utilized by financial institutions for loans origination.

Credit Limit 40

Credit Limit Credit Cards Assessments Credit Risk 40

FICO

NOVEMBER 22, 2018

I will share recent analysis done in Russia, where more than half of the top Russian banks use FICO Scores delivered by NBKI, but most are only using the scores for Account Origination. The FICO® Score has been available in the Russian market through the National Bureau of Credit Histories (NBKI) since 2008. The FICO Score in Russia.

Accounts 45

Accounts Origination Risk Credit Risk 45

FICO

JUNE 11, 2021

Leveraging FICO Resilience Index to refine credit risk decisions during benign economic phases defends against dramatic swings in delinquency rates and provides for a more consistent portfolio management approach over time. Of course, credit risk is only one aspect of portfolio health.

Risk 52

Risk Addressing Consumer Financial Protection Bureau (CFPB) Credit Risk 52

FICO

FEBRUARY 12, 2023

Home Blog FICO Top 5 Customer Development Posts of 2022: Digital Banking and Pricing Opti The most popular posts in our Customer Development category dealt with digital banking, optimizing credit line increases, loan pricing and machine learning for credit risk models. Here are extracts from those customer development posts.

Posting 52

Posting Online and Mobile Banking Credit Limit Risk 52

CB Insights

FEBRUARY 13, 2020

Despite its benefits, Stripe’s PayFac model also means that the company absorbs more merchant risk by serving as a master merchant account, and that it’s responsible for downside risk in the event of chargebacks and fraud. Since its inception, Square Capital has originated over $5B in funds to 275K merchants.

Payment APIs and Integration 98

Payment APIs and Integration Online and Mobile Banking Payments Push-to-Card 98