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 ...

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 ...

The next era of lending will be defined by companies that operationalize AI with discipline, building in strong governance, ...

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.