Having spent over 2 decades in banking and financial services, I have seen how financial models evolve, but never at the speed seen today. AI is reshaping credit risk assessment, offering a more ...

Traditional credit scoring methods often exclude consumers who lack formal credit histories, leaving a significant portion of the market underserved. In the U.S., 28 million adult Americans are credit ...

ATLANTA, Jan. 30, 2026 /PRNewswire/ -- Equifax® (NYSE: EFX) today announced the launch of Credit Abuse Risk, a new predictive model that uses FCRA-regulated data and is designed to help protect ...

Collateral Analytics has launched the CA Credit Risk Model. This new patent pending product is designed to offer quantitative measures of the risk and cost of potential borrower default embedded in a ...

The technical assistance aimed to enhance the Financial Stability Report (FSR) of the Central Bank of Curaçao and Sint Maarten. It reviewed the 2023 FSR and discussed the report's composition and the ...

Key financial metrics improved: Q4 revenue was $159 million (up from $155 million in Q3); adjusted net income was $26 million (down from $41 million in Q3, but Q4 was noted as a record for that ...

Long-term forecasts for impairment and capital are often built on the assumption that tomorrow will broadly resemble yesterday. Historical shock events such as the 1997 Russian debt default, the 2008 ...

The European Central Bank is considering pushing banks to use loan data from the region’s historic banking crisis when predicting future credit defaults, a move that could result in lower capital ...

Semi-Markov processes extend traditional Markov models by explicitly accounting for the time spent in each state before transitioning. This added temporal dimension is particularly valuable in credit ...

A new study published in The Journal of Finance and Data Science shows that combining credit card data with customers’ debit transactions substantially improves the ability to predict credit card ...

The technical assistance (TA) missions to the Turks and Caicos Islands (TCI) aimed to enhance the Financial Services Commission’s (TCIFSC) financial stability efforts. The missions reviewed the ...