FICO scores will be soon improved by predictive analytics. This new approach is more accurate and can extend to the entire debt management process. Badly assessed financial risks were at the core of the financial crisis in the late 2000s. Banks and credit companies used faulty models which did not

Recommendation systems are ever-present in our lives today. The largest web giants – such as Google, Facebook and Amazon – use algorithms to help you find search results most relevant to you, based on your previous searches and similar data from other users. In fact, pretty much any platform that has