A New Approach to Credit Scoring

In the wake of the recession, and with a rocky recovery in the UK, lenders need to get a more holistic view of borrower risk. FICO and Equifax have partnered to bring two new scores to the UK market, to indicate a consumer's credit capacity and show how their risk will change in a future economic scenario. Mike Gordon, vice president and managing director of EMEA for FICO, explains the goals in this FICO Tech Talk with Darcy Sullivan.

Predicting Strategic Default

More American homeowners are choosing not to pay their mortgage, a phenomenon known as strategic default. FICO has built a predictive model that predicts whether a borrower will default on their mortgage. Andrew Jennings, FICO's chief analytics officer, shares the FICO Labs findings and the profile of a strategic defaulter in this video.

Analytic Imperatives for a Post-Crisis World

How have analytic priorities changed as a result of the economic crisis? Andrew Jennings, FICO’s chief research officer and head of FICO Labs, lays out new directions for analytics in this interview with FICO’s Darcy Sullivan. Jennings discusses the concepts of modeling decisions and predicting the impact of economic changes, and stresses the importance of the analyst / modeler, saying it’s dangerous to rely on “point and click” analytics.

Credit Scores and Counter-Cyclical Risk Management

Basel III regulations call for banks to adopt a counter-cyclical approach to managing risk and capital. Risk measures should reflect the effect of the next economic cycle, in order to avoid creating credit bubbles or prolonging economic recessions. This calls for a new way of marrying credit scores and economic data, as FICO’s David Molyneaux explains to Darcy Sullivan in this FICO Tech Talk.

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100 Patents That Changed Financial Services

How have analytic innovations changed financial services? FICO innovation in credit scoring, credit management and fraud detection have changed the way credit is managed. FICO’s Darcy Sullivan interviews Dr. Andrew Jennings, senior vice president for Research and head of FICO labs, in this FICO Tech Talk.

FICO & IBM: Helping banks make smarter decisions – with the Banking Industry Framework

Colin Murray, Software Solutions Executive at IBM, discusses how the FICO-IBM partnership helps banks make better business decisions by using customer data more intelligently.  The integrated risk infrastructure of IBM’s Banking Industry Framework combined with robust analytic tools such as FICO’s customer life cycle applications, enables banks to improve their financial performance by managing risk better across the enterprise.

TSYS & FICO: Innovative Solutions for Card Issuers

Learn how the TSYS and FICO partnership provides card issuers with innovative solutions for credit risk and fraud management.

TSYS & FICO: Partnering for Client Value

The TSYS - FICO partnership has provided card issuers with cutting-edge portfolio management solutions for more than 20 years.  In this video, Matt Jardina, Group Executive for Value Added Services at TSYS, and Doug Clare, Vice President of Product Management at FICO, discuss how the 2 companies integrate solutions and services to help issuers throughout the world increase profitability and compete more effectively.

Adeptra & FICO: Cost Effective Credit Risk Management via Multi-channel Digital Communications

Learn how Adeptra and FICO provide automated, analytics-driven credit risk management functions via multi-channel digital communications.

Managing Credit Risk Across the Lifecycle

As a leader in the rapidly growing China market for credit, Bank of Communications has created  an integrated, holistic Decision Management platform. This platform, based on FICO technology and predictive analytics, enables BOCOM to connect decisions and manage risk more effectively from origination to customer management to collections. Vincent Chiang, CEO for Pacific Credit Card Center from Bank of Communications, explains the goals and early results for this project, which won the Best Risk Management Award for 2008 from The Asian Banker, and won a 2009 Decision Management Pioneer Award from FICO.