The regulatory environment continues to increase in complexity as the EBA and the PRA provide new guidelines and updates to ...

A new study suggests that lenders may get their strongest overall read on credit default risk by combining several machine learning models rather than relying on a single algorithm. The researchers ...

The Santander US Auto business uses FICO® Platform to enhance the use of machine learning capabilities to support credit risk analysis. FICO Platform enables Santander US Auto to build an analytical ...

New book explains how AI and machine learning are transforming banking through fraud detection, credit risk modeling, ...

The promise of artificial intelligence in credit scoring is undeniable. By analyzing vast, non-traditional datasets from ...

Fraud remains a critical operational risk for banks, particularly with the surge in Authorised Push Payment (APP) fraud, which is a primary target of current FCA and PSR regulatory attention. Static, ...

The financial world typically uses rules and formulas to evaluate risk. Credit-rating agencies assign ratings on the basis of specific metrics such as debt-to-EBITDA ratios and interest coverage.

Tighter bank standards and elevated credit-card delinquencies have created an opening for direct lenders in 2025. As traditional banks retreat, digital platforms are filling the gap for small-ticket ...

In recent years, Hungary’s non-financial corporations were confronted with multiple shocks, ranging from the pandemic and rising geopolitical tensions to the historic tightening of domestic monetary ...