FICO

JANUARY 7, 2020

The average FICO® Score ticked up to 706 in 2019, and the blog post where we covered the news continues to be one of the most popular posts on the FICO blog. Here are the 5 FICO® Score posts from 2019 with the most views on the FICO blog. Read the full post. FICO Score Research: Explainable AI for Credit Scoring.

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Posting Innovation AI Risk 52

Finovate

NOVEMBER 19, 2024

The California-based company has offered paper-based and recycled products since 2017, and made a pledge in 2022 to convert most of its own original card products to digital or paper. Photo by DS stories The post Blackhawk Network Teams with Mastercard to Add Paper Prepaid Products appeared first on Finovate.

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Visa Product Issuers Card Issuer 52

FICO

AUGUST 15, 2018

The first clear trend observed around newly originated mortgages is that as we get further away from the Great Recession, underwriting criteria seems to have eased and a broader section of consumers are obtaining mortgages as a result. Mortgage Borrowers: Increases and Decreases to Their FICO Scores.

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Research Consumer Origination Underwriting 53

PYMNTS

MARCH 6, 2018

After Uber Chief Economist Jonathan Hall highlighted problems with the research methodology used by MIT researchers in a draft paper, the lead researcher acknowledged flaws in the survey used in the study. The paper was drafted by MIT’s Center for Energy and Environmental Policy Research (CEEPR).

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Research On-Demand Origination Participant 40

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

Electronic Payments Coalition

FEBRUARY 6, 2024

Additional research shows that expanding the Durbin amendment to credit cards would deliver the same disappointment for consumers as the original. The post The Data is Clear: The Durbin-Marshall Credit Card Bill Will Harm Consumers appeared first on Electronic Payments Coalition.

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Credit Cards Consumer Debit Card Caps 59

PYMNTS

JANUARY 25, 2021

Call it a designer pothole, the Gucci gap or a Burberry bump in the road — whatever name you choose, the reality is that the post- Brexit fine print caused by the U.K. leaving the EU on Jan. 1 has emerged, and appears to be gumming up the importation and exportation of luxury goods. If Everybody Hates It….

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Returns Posting Rules Procedures 75

Fintech Finance

AUGUST 28, 2024

Digital payment preferences are surging, according to the 2024 ACI Speedpay Pulse Report, published by ACI Worldwide (NASDAQ: ACIW), an original innovator in global payments technology. Billers can replace debt collectors with virtual agents to create a secure, non-intrusive, and efficient debt collection platform.

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Identity Theft Online and Mobile Banking Consumer Payments Trends 100

Fintech Finance

OCTOBER 21, 2024

billion of additional global GDP growth and create more than 167 million new bank account holders by 2028, according to a new report published by ACI Worldwide (NASDAQ: ACIW), an original innovator in global payments technology, in collaboration with The Centre for Economics and Business Research (Cebr). billion – a 74.2%

Real Time Payments 94

Real Time Payments Financial Inclusion Instant Payments Accounts 94

CB Insights

JUNE 17, 2020

As NYU Stern School of Business professor and digital transformation researcher Arun Sundararajan notes: “Crisis can be… a catalyst or can speed up changes that are on the way — it almost can serve as an accelerant.”. In the wake of the outbreak, everything from doctors appointments to schooling to workouts went online.

Posting 101

Posting Technology Online and Mobile Banking On-Demand 101

FICO

JANUARY 6, 2020

Here are the 5 customer development posts from 2019 with the most views on the FICO Blog. Read the full post. Chartis Research produced its Vendor Analysis report on Artificial Intelligence in Financial Services for 2019. Read the full post. Read the full post. Read the full post. Read the full post.

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Posting AI Online and Mobile Banking Real Time Payments 52

Fintech Review

NOVEMBER 13, 2024

As DeFi matures, it is evolving beyond its decentralized origins to incorporate elements of TradFi, aiming to address institutional needs for security, scalability, and compliance. Lucas Outumuro, Head of Research at IntoTheBlock, noted, “We are witnessing the early stages of a powerful convergence.

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Risk Management Risk Stablecoins Compliance 52

Neopay

NOVEMBER 7, 2024

million in the first half of 2024 alone, with 35% of these scams originating from telecommunications channels. Recent research indicates that fraud and scams affect a significant portion of the UK public, with 69% of respondents reporting attempted scams. UK Finance data underscores the urgency for solutions like Scam Signal.

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Scams Fraud Detection Fraud Prevention Finance 52

CB Insights

JULY 30, 2021

Vestwell, originally a plan provider, currently powers hundreds of plans for major companies like Morgan Stanley BNY Mellon, Allianz SE, Namely, and Voya. Want the full post? The post This Morgan Stanley-Backed Company Raised $70M To Provide A White-Label Workplace Retirement Solution appeared first on CB Insights Research.

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Payroll Origination Rules Participant 69

CoinRemitter

JULY 14, 2024

Origins of HODL The term “HODL” originated back in 2013 in an online post on the Bitcointalk forum. Essentially a typo, the post was titled, “I AM HODLING”. Buy-and-Hold HODLing and buy-and-hold are essentially the same strategy, originally known as buy-and-hold in various investments like stocks.

Cryptocurrency 40

Cryptocurrency Bitcoin Returns Origination 40

The Fintech Times

MAY 19, 2024

Over three million people across the UK may have been forced to borrow from illegal lenders in the last 12 months, according to new research from responsible lender Creditspring. In fact, 15 per cent of people said that the interest originally agreed upon increased over time – while 14 per cent were threatened with physical violence.

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Research Origination Regulations Risk 57

Fintech News

SEPTEMBER 22, 2024

Overall, the research reveals that digital fraud attacks across all sectors increased by 19% YoY in 2023, with the most significant rise seen in North America, up 43% YoY, and the e-commerce sector, which rose 59% YoY. Their scams usually are efforts to con unwitting victims around the world out of their financial savings.

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Accounts Scams Bots Account Takeovers 140

The Fintech Times

MARCH 15, 2024

Binance Academy , a free educational platform helping people learn about cryptocurrency, is partnering with the Blockchain Center , a global research lab, and ENSET-Université Hassan II de Casablanca to extend its Global University Outreach Program (GUOP) to Morocco.

Blockchain 62

Blockchain Compliance Origination Cryptocurrency 62

The Fintech Times

JUNE 19, 2024

ING originally launched the functionality in July 2022 as a trial, in which 500,000 customers tested the feature. The post Cogo Enables ING Customers to View CO2 Emissions of Spending in Mobile Banking App appeared first on The Fintech Times. “That is why partnerships, such as this one with ING, are so important.

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Mobile Banking Addressing Origination Research 108

Fintech Review

OCTOBER 29, 2024

Arta TechFin will bring in its capabilities as a regulated blockchain financial services provider, collaborating with Foresight Ventures and Deep Blue on Stablecoin and RWA businesses including but not limited to origination, tokenization, market making, and providing liquidity.

Stablecoins 52

Stablecoins Blockchain Use Case Blocks 52

Finovate

JANUARY 16, 2024

Research commissioned by the company revealed inefficient processes, incorrect invoicing, and slow onboarding as three key pain points for international business buyers. This research also indicated that trade credit was a leading payment option among these same buyers.

Visa 59

Visa Payment APIs and Integration Gateways B2B 59

The Fintech Times

APRIL 11, 2024

The report, using original research from ClearSale, will equip retailers with crucial insights to navigate the delicate balance between customer satisfaction and fraud prevention. The post False Declines Are Harming Retailers’ Reputation on Social Media as All Ages Voice Complaints Online appeared first on The Fintech Times.

Federal Trade Commission 57

Federal Trade Commission Fraud Prevention Returns Origination 57

Fintech News

JUNE 18, 2024

Gen AI are AI systems designed to autonomously generate new, original content. In November, OCBC Bank followed suit, launching a gen AI chatbot for its 30,000 employees globally to assist them with writing, research and ideation.

AI 111

AI Use Case Risk Deepfake 111

Finovate

JULY 15, 2024

How is AI changing the nature of SMB loan origination? You pair that with two years of machine learning and AI research at Stanford and you get a pretty unique combination of skills to go back into the banking sector and automate a lot of the manual repetitive tasks that people used to do on top of our software. Episode 220.

AI 64

AI Credit Union Non-Bank Origination 64

PYMNTS

AUGUST 13, 2020

Check Point researchers have flagged a flaw in Alexa , Amazon’s voice assistant platform , which could it to spill the beans on all sorts of personal data when exploited by hackers. 13), detailed how they probed the system for vulnerabilities. 13), detailed how they probed the system for vulnerabilities. billion by 2025.

Checks 67

Checks Gateways Scams Research 67

PYMNTS

DECEMBER 20, 2019

Security researcher Bob Diachenko and Comparitech discovered that a Facebook database with 267 million user IDs, phone numbers and names was left unsecured and accessed by hackers, who uploaded it to a downloadable format, according to a report. . The originators of the database are suspected to be in Vietnam.

Database 71

Database Phishing Bots Breach 71

The Fintech Times

SEPTEMBER 18, 2024

Originally created in 2018 by the global messaging platform Telegram, the TON network — then known as Gram — was poised for success. This growth is largely due to ongoing development based on the original whitepaper from Telegram, aiming to provide a wide range of services. However, adoption is also strong in India, Brazil and the US.

Cryptocurrency 62

Cryptocurrency Blockchain Volume On-Demand 62

FICO

APRIL 28, 2022

According to the research from Cornerstone Advisors , these point-of-sale short-term installment loans with low credit amounts have been increasing in popularity during recent years for retail purchases like clothing, household goods, electronics, and more. Our Initial Insights from the First FICO-Conducted BNPL Research Study.

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BNPL Credit Cards Accounts Origination 98

Fintech Finance

DECEMBER 13, 2023

The new FPC Real-Time Payments APIs report focuses on API connectivity between corporate originators and payment providers, such as financial institutions and third-party payment processors. The post U.S. Banking Partnerships Manager at Trustly and Vice Chair of the APIs Work Group.

Real Time Payments 52

Real Time Payments Faster Payments API FPC 52

Fintech Review

OCTOBER 16, 2024

This loss is termed ‘impermanent’ because it might recover if the token prices return to their original state, but there is no guarantee this will happen. It is essential to conduct thorough research into the platform’s tokenomics, demand for its services, and overall market trends.

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Assessments Risk Returns Audit 98

FICO

APRIL 12, 2023

Even as we continue to innovate by developing new models and identifying new sources of predictive credit data, the bones of the original credit scoring models developed decades ago remain strong. in management science/operations research from UC San Diego. That’s because FICO® Scores are built to last. Ethan has a B.S.

Credit Risk 52

Credit Risk Risk Assessment Assessments B2C 52

CB Insights

JANUARY 26, 2023

Vesta ($30M Series A): Vesta provides a platform for mortgage origination and underwriting that is designed to streamline processes, reduce risk, and help lenders improve their book of business. The post Analyzing a16z’s fintech investment strategy: Where did the VC place its biggest bets in 2022?

FinTech 101

FinTech Blockchain Underwriting Credit Cards 101

Fintech Finance

JANUARY 16, 2024

The same research ranked trade credit as a leading payment option preferred by business buyers. 1 The study was conducted by Murphy Research on behalf of TreviPay from May 17 to June 2, 2023. Read more about TreviPay’s Universal Acceptance solution. The results are based on a comprehensive review of 300 global B2B buyers.

Credit Cards 52

Credit Cards B2B Visa Payment APIs and Integration 52

Fi911

JULY 19, 2024

Original Credit Transaction Not Accepted 13.9: While the reason codes are effective in identifying processing errors, merchant fraud, and other “valid” reasons for disputes, research indicates that an increasing number of chargebacks are being made for reasons unrelated to the reason code provided. Canceled Recurring Transaction 13.3:

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Disputes Duplicate Non-Bank Authorization 88

FICO

FEBRUARY 27, 2023

You can read more about our judges in this blog post. You can read more about our judges in this blog post. See all Posts chevron_left Blog Home expand_less Back To Top Related posts Meet The 2022 FICO Decisions Awards Winners! Meet Our 2023 FICO Decisions Awards Judges Winners of 2021 FICO Decisions Awards Announced

Financial Inclusion 98

Financial Inclusion AI Credit Cards Research 98

The Fintech Times

MAY 6, 2024

Through its AI-enabled platform, MAAS (M&A as a Service), Kuvera provides startups and SMEs with access to a range of services, including valuation, due diligence, premium market research and feasibility studies, to help streamline the entire M&A process, from deal origination to execution.

Consulting 57

Consulting Due Diligence Audit AI 57

Fintech News

JUNE 3, 2024

However, enhanced regulatory measures, technological advancements and increased public-private and international collaboration are introducing promising opportunities to address these challenges more effectively, a new report by Forrester Research says. About one-fifth of the firms polled said their costs rose by more than 20%.

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Money Laundering Financial Crimes Crime APACS 111