The Credit Risk Paradox: When More Data Creates More Blind Spots

There's also a customer cost. More data often means more friction: extra verification steps, repeated identity checks, longer ...

Managing model risk with next-generation model governance

Traditional model validation assumes a model can be tested in isolation, signed off, and then left unchanged. That approach ...
TMCnet

Equifax Launches Credit Abuse Risk Model to Help Protect Lenders Against the Rising Financial Impact of First-Party Fraud

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 ...
techtimes

Balancing Accuracy and Transparency: Olubunmi Martins-Afolabi on Explainable AI in Wholesale Credit Risk Assessment

A visionary business analyst and product owner with 18 years of proven track record in driving industry-transforming financial solutions in the UK, Olubunmi Martins-Afolabi possesses exceptional ...
Nature

Semi-Markov Processes in Credit Risk Assessment

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 ...