Navigating the Intersection of Credit, Fraud, and Compliance

Learn how financial institutions can modernize model risk management to govern AI responsibly at scale.

• Explore adaptive AI governance principles for regulated environments
• Understand the LLM-as-a-judge governance review approach
• See how AI-assisted governance improves oversight, evidence and accountability

Discover how AI, fraud and identity are reshaping digital trust. Based on research with U.S. consumers and businesses, this report explores emerging trends and practical strategies.

• Understand today's evolving fraud landscape and AI-driven threats
• Learn how identity intelligence supports trust and customer experience
• Explore consumer expectations for security, privacy and personalization
• Prepare for the future of agentic commerce and digital trust

Read the latest State of Fintech Report to see strategy playbook fintechs are implementing in 2026 and beyond. Key insights include:

• How fintech leaders are balancing growth, fraud risk and portfolio performance
• Why data strategy is becoming a competitive advantage in credit decisioning
• How identity, credit and behavioral signals are enabling smarter lifecycle decisions
• Practical actions fintech organizations can take to grow with confidence in 2026

Learn how a proactive credit card graduation strategy helped America First Credit Union responsibly expand member relationships while maintaining strong portfolio performance.

• Increased more than 32,000 credit card limits
• Generated approximately $26 million in balance growth
• Maintained just 0.59% delinquency