Finextra

JUNE 26, 2025

“When acquiring new customers, our clients want a frictionless process where both ID and fraud, as well as credit risk, can be assessed as part of a single request that streamlines and speeds the customer experience,” said Greg Wright, Executive Vice President of Identity and Fraud, Experian Software Solutions.

Fraud Prevention 52

Fraud Prevention Verification Visa Payment APIs and Integration 52

Finextra

JUNE 23, 2025

From how fintechs are answering SME challenges and why credit risk models need a reset , to the role of non-dilutive funding and what founders should expect from lenders in 2025 , the message has been consistent. Across my years in banking, I’ve seen these patterns up close. Regulatory changes are adding pressure.

Small Business 52

Small Business Non-Bank AI Push-to-Card 52

Finextra

JUNE 10, 2025

Why late payment trends require closer scrutiny Research released in March 2025 showed that late payments are a widespread problem. To gain a true picture of a company’s financial reliability, finance teams should seek out credit risk data providers that offer granular and regularly updated DBT insights.

Due Diligence 52

Due Diligence Authorization Risk Research 52

PYMNTS

APRIL 29, 2020

Of the seemingly inexhaustible uses of artificial intelligence (AI) in the financial sector, its applications around managing credit risk and optimizing payment services are among the most promising. Our research shows that 92.9 percent are doing so in credit underwriting. Our research shows that 43.7

Credit Risk 100

Credit Risk Risk AI Underwriting 100

PYMNTS

APRIL 24, 2020

These circumstances have brought to the fore what has long been a central concern for lenders: assessing and managing credit risk. This vital task is complicated even in normal times due to the multitude of financial risk factors in play at any given time. percent expect these systems to improve credit/portfolio risk.

Credit Risk 100

Credit Risk Risk Underwriting AI 100

PYMNTS

DECEMBER 9, 2020

Managing credit risk used to be a reactive process. Waiting until account holders fall behind to take action not only meant that customers’ credit scores would take a hit before their banks were alerted to a problem, but also that banks would lose the revenue from the scheduled payment.

Credit Risk 98

Credit Risk AI Risk Fraud Detection 98

PYMNTS

JANUARY 13, 2020

PYMNTS/Brighterion research has documented the challenge ahead. Credit Risk. According to Dhala, those early use cases for the payments and financial services realm are becoming clear — echoing the data from the PYMNTS research report and reflecting larger economic trends, such as rising loan delinquencies in some areas.

Credit Risk 83

Credit Risk AI Risk Issuers 83

FICO

AUGUST 29, 2017

This comment from a participant in our recent EMEA Risk Leadership Forum caused a lot of chuckles and nodding heads. When it comes to evaluating credit risk, everyone wants to know if, when and how lenders will start probing their Facebook account. How Much Value? Read more posts by FICO experts on alternative data.

Credit Risk 67

Credit Risk Risk AI Debit Card 67

FICO

SEPTEMBER 2, 2020

How will these trends affect managing credit risk? Delinquency rates on consumer loans and credit cards, which are currently being suppressed with government and bank support, are expected to increase rapidly. Unfortunately, many of them will not be able to return to their workplaces after pandemic. into “connected decisions”.

Credit Risk 69

Credit Risk Risk Credit Cards Risk Management 69

FICO

APRIL 27, 2017

Sovcombank, a universal bank with more than 2 million customers, is using the score to “gamify” the credit application process. The EFL credit risk score is created through a dynamic behavioral design and psychometric assessment that analyzes character traits with a proven relationship to credit risk.

Credit Risk 66

Credit Risk Assessments Risk Financial Inclusion 66

FICO

AUGUST 28, 2017

When it comes to using alternative data in credit risk assessments, the field has really opened up over the last few years. Here is useful information on how to assess alternative data and combine it with so-called traditional data to improve credit risk models. Multiple Types of Alternative Data. How Much Value?

Credit Risk 52

Credit Risk Risk AI Assessments 52

FICO

FEBRUARY 28, 2020

Having worked in credit risk for most of my career during the revolution in analytics, it continues to concern me that the collections and recoveries (C&R) divisions of banks seem to be left behind. Innovations in credit risk analytics that have been widely adopted in other risk areas rarely get used at the C&R level.

Credit Risk 52

Credit Risk Risk Origination Mitigation 52

FICO

AUGUST 1, 2018

Some of the above difference between these three groups can also be attributed to differences in their credit risk profiles. The post FICO Research: Does Student Loan Debt Impact Millennial Homeownership? appeared first on FICO.

Research 60

Research Credit Risk Consumer Risk 60

PYMNTS

NOVEMBER 11, 2020

The launch comes after a successful pilot program, Visa noted, with the focus of the chosen FinTechs ranging from small business credit risk and buy now, pay later to merchant search and transaction compliance.

FinTech 110

FinTech Credit Risk Small Business NOV 110

PYMNTS

MARCH 6, 2020

PYMNTS’ latest research seeks to distinguish the real from the hype when it comes to genuine AI adoption in the financial sector. Even more significantly, our research shows that FIs are using AI with greater focus than they have in the past, with two areas emerging as key applications: payments fraud and credit risk.

AI 81

AI Credit Risk Regulatory Compliance Risk Assessment 81

PYMNTS

JULY 8, 2020

AI Also Helps Manage Credit Risk. For instance, Mastercard has been using AI to help its banking partners with credit risk management, aiming to provide the right amount of credit to customers — and the smartest collections efforts — in today’s uncertain economic climate.

Visa 109

Visa AI Credit Risk Risk 109

FICO

JANUARY 31, 2019

FICO's research team explored this topic in a new paper, “Developing Transparent Credit Risk Scorecards More Effectively: An Explainable Artificial Intelligence Approach”. Research into AI and Machine Learning for Credit Scoring. The field of explainable AI (xAI) may hold the answer.

Research 40

Research AI Federal Reserve Credit Risk 40

FICO

SEPTEMBER 28, 2017

One partnership that may surprise some people is with EFL Global , a leading alternative credit scoring company. The EFL score uses psychometrics and behavioral data to measure a person’s credit risk based on an applicant’s answers to a series of interactive questions and exercises administered via an online assessment.

Credit Risk 74

Credit Risk Assessments Online and Mobile Banking Risk 74

FICO

AUGUST 23, 2021

For comparison, we created a benchmark score that was built using only credit bureau data but that scored more people by loosening the FICO minimum scoring criteria (which results in scores being calculated even when the only data available is very sparse or stale). We refer to this benchmark score as the “Credit Bureau Data Research Score.”

Consumer 98

Consumer Research CFPB Credit Risk 98

Finovate

DECEMBER 19, 2023

Liquidnet will leverage bondIT’s Scorable Credit Analytics to help traders better anticipate market trends. The technology will also help them mitigate credit risk and make more informed decisions quicker. Embedded is bondIT’s end-to-end, integrated portfolio construction, research, and trading solution.

AI 105

AI Research Credit Risk Mitigation 105

PYMNTS

SEPTEMBER 15, 2016

In an interview conducted by Karen Webster with Rob Meloche, Senior Director of Global Financial Inclusion at Visa, the conversation focused on the payment company’s research, conducted in partnership with Filene Research Institute , that revealed the spending power that exists within the minority community in the U.S.

Financial Inclusion 76

Financial Inclusion Credit Union Underserved Non-Bank 76

The Fintech Times

APRIL 15, 2024

. “AI’s contribution extends to intelligent underwriting, where it enables the creation of sophisticated risk profiles by analysing a wide range of data, including non-traditional indicators that might be overlooked in manual processes.

Embedded Finance 134

Embedded Finance AI Finance Assessments 134

FICO

APRIL 6, 2018

How are advances in artificial intelligence and machine learning changing credit risk assessment? On Tuesday, April 17, 1:30-2:30, my colleague Ethan Dornhelm and I will show that machine learning offers tremendous efficiencies for research “in the lab”. Join me at this session on Thursday, April 19, 10:15-11:15.

Credit Risk 89

Credit Risk Risk Assessment Risk AI 89

PYMNTS

DECEMBER 14, 2020

This was a year that bent and broke quite a few risk forecasting models, thus all the more reason to bring AI smarts to bear on transaction volumes scaling far beyond a human pace. Circumstances] have underscored the singular importance of artificial intelligence (AI) in managing credit risk as well as supporting other bank operations.

AI 87

AI Online and Mobile Banking Risk Assessment Credit Risk 87

PYMNTS

OCTOBER 27, 2016

ID Analytics, a consumer risk management company, announced Wednesday (Oct. 26) new research that revealed over six out of 10 millennials declined for credit are not seen applying again for at least 12 months.

Credit Cards 74

Credit Cards Credit Risk Risk Management Research 74

FICO

FEBRUARY 25, 2019

After a 2018 that had its highs and lows, what might 2019 have in store from a credit risk management standpoint? Here are three key developments in credit scoring that we will be keeping an eye on in the new year: Consumer-Contributed Data Takes Center Stage. revolver vs. transactor).

Credit Risk 63

Credit Risk Underwriting Origination Fed 63

FICO

JUNE 2, 2023

At FICO, we have been on the frontlines of this challenge for decades, working tirelessly to identify sources of safe and reliable alternative data to enhance the risk prediction of our scores, including our industry-leading FICO® Scores, such as the UltraFICO™ Score. More than 200 million U.S.

Credit Risk 52

Credit Risk Financial Inclusion Risk Assessment Assessments 52

PYMNTS

DECEMBER 2, 2020

Recent research by PYMNTS and Afterpay found that millennials are especially enthusiastic about these flexible payment options, and prefer them more than any other generation. Nearly 20 percent of shoppers ages 22 to 30 lack credit histories that are robust enough to grant them credit card approval, for example.

BNPL 77

BNPL Credit Cards Payments Research 77

FICO

MAY 7, 2018

Some of the top thought leaders in banking, finance, artificial intelligence, machine learning, and credit risk came together in San Francisco to discuss the key trends and innovations in our industry. A key driver of successful financial inclusion is the ability for lenders to effectively gauge the risk of an underserved consumer.

Financial Inclusion 77

Financial Inclusion Innovation Credit Risk Underserved 77

CB Insights

APRIL 22, 2020

The government has backstopped these loans so that lenders can take on minimal credit risk; however, alt lenders carry existing credit risk from non-government-backed SMB loans — and the longer the economy remains on pause, the higher the likelihood these alternative lenders will suffer increased losses resulting from existing borrower defaults.

FinTech 87

FinTech Processors Governance Government 87

PYMNTS

OCTOBER 7, 2016

Plati Potom develops post-payment solutions for eCommerce and offline retailers, as well as data analysis and credit risk management tools. For QIWI, this transaction is another step in implementing its M&A strategy of investing in promising teams and technologies in the FinTech space.

Cross-Border 55

Cross-Border Credit Risk Risk Management Acquirers 55

PYMNTS

APRIL 16, 2020

“We know that overdue invoices put a real strain on [SMBs] even at the best of times,” said Tide Vice President of Credit Services Amit Kahana in the release. According to Tide research, late payments represented a total of 50 billion pounds ($62.3 billion) for U.K. SMBs in 2019. Those businesses spent an average of 1.5

Payments 70

Payments Credit Risk Risk Economy 70

FICO

APRIL 12, 2023

And while some of our clients’ business lines benefit from the very latest innovations, others such as mortgage continue to find that older versions of the FICO® Score – even some that were first developed decades ago – meet their needs for credit risk assessment. in management science/operations research from UC San Diego.

Credit Risk 52

Credit Risk Risk Assessment Assessments B2C 52

CB Insights

DECEMBER 10, 2020

Below, we take a look at how tech companies are unbundling Bank of America’s front office, from consumer deposits and payments to equity research and business credit cards. . This has provided an opportunity for other research providers to gain market share among banking clients. . Category breakdown . Consumer payments.

Credit Cards 101

Credit Cards Advisors Venmo Small Business 101

FICO

JANUARY 11, 2017

New FICO research shows that not this not the case. As a data scientist from FICO’s Scores organization, I feel it’s important to remind our blog readers that collection information on a credit bureau report has consistently been found to be a strong indicator of increased credit risk.

Consumer 67

Consumer CFPB Research Non-Bank 67

PYMNTS

AUGUST 20, 2020

According to the release, the company’s research and development as well as analytical functions will remain in its Ra’anana, Israel offices. Behalf said that B2B sellers can use its product to “receive payment upfront, without the need to assume credit risk.

FinTech 64

FinTech B2B Finance Credit Risk 64

FICO

SEPTEMBER 13, 2017

In mid-September 2017, the three consumer reporting agencies (CRAs) are also scheduled to remove the following from credit reports: Medical collections less than 180 days old. Medical collections that are ‘paid by insurance’.

Assessments 74

Assessments Credit Risk Consumer Risk 74