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Andy Cross
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Jason Hall
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Matt Frankel
Matt Frankel: 我认为，很多消费者甚至没有意识到他们没有FICO评分。拥有有效贷款账户是获得FICO评分的要求之一。如果只有“先买后付”贷款，可能就没有FICO评分。此外，FICO Score 10尚未广泛使用，FICO Score 9也仅在个人贷款行业的部分领域使用。因此，新标准不会立刻帮助人们获得更低的利率或更好的信用卡。
Andy Cross: 我觉得FICO持续创新并增加新的领域是令人鼓舞的。尽管他们可能继续使用较旧的模型，但这至少使他们保持在技术前沿。我认为，BNPL市场规模巨大，对FICO来说是个积极的消息。
Jason Hall: 我认为，最终采用哪个FICO版本取决于你与哪家金融服务公司有关系。FICO需要不断创新，以适应消费者支出习惯和金融系统对这些习惯的分类方式的变化。从长远来看，FICO的利润率可能会受到挤压。尽管他们六个月前提高了价格，短期内利润率可能会上升，但长期来看，我们更有可能看到相反的趋势。
Deep Dive
The discussion centers on the significance of FICO integrating buy-now-pay-later (BNPL) data into its credit scoring model. Experts analyze the potential impact on consumers and the implications for FICO's future, considering the competitive landscape and the ongoing debate about credit scoring practices.
- FICO will include BNPL data in a new model.
- The new model is in the testing phase and will roll out later in the fall.
- There are competitive threats to the FICO scoring system.
- The direction of fees in the credit scoring industry is likely to gravitate downward.
Shownotes Transcript