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 ...

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 ...

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 ...

Risk-management practices at financial institutions have undergone a quantitative revolution over the past decade or so. Increasingly, financial firms rely on statistical models to measure and manage ...

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 ...

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 ...

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 ...

This piece is part of a series benchmarking bank climate risk management practices. Risk Management subscribers can view selected cuts of the underlying data here. Sign up for Risk Benchmarking emails ...

In the past few years, there have been several developments in the field of modeling the credit risk in banks’ commercial loan portfolios. Credit risk is essentially the possibility that a bank’s loan ...