fc.The Financial CurrentPublished by Paul Ivinskas
THE RESEARCH LIBRARY

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AI & Tech

Financial AI, data and technology, including tools, operating benefits and their limitations.

AI, Data & Technology GovernanceResearch Lab

UAD 3.6: a new appraisal format and a conditional transition

Fannie Mae and Freddie Mac retain the November 2, 2026 mandate while allowing approved Sellers extra time. The redesign makes appraisal information more structured, but comparable data still requires judgment about comparable homes.

6 sources2 versions
Company & Platform ProfilesResearch Lab

Databricks: from Berkeley data research to enterprise AI

Databricks grew from open-source data research into a platform for analytics and AI applications. Its financing history, bank customer accounts and cloud architecture explain both its expansion and the limits of its public claims.

18 sources2 versions
AI, Data & Technology GovernanceResearch Lab

DataRobot: following an AI answer from request to outcome

DataRobot’s monitoring tools show how deployed AI models and agents behave. Their value depends on connecting those records to what happened to the customer and the work needed to resolve a problem.

2 sources4 versions
Decisioning & Model ToolsResearch Lab

FICO Platform: the software behind a lending decision

Agricultural loans and Brazilian payroll lending show how FICO Platform connects information, models and lending rules. Faster processing is a different result from safer loans or cash savings.

6 sources5 versions
Decisioning & Model ToolsResearch Lab

Zest AI: what automated underwriting changes for borrowers

Zest AI builds machine-learning underwriting for lenders. Idaho Central and First Hawaiian show how automation can change an application, while reported decision rates leave repayment and funding questions open.

8 sources5 versions
Decisioning & Model ToolsResearch Lab

Experian PowerCurve: decision workflows across the customer relationship

PowerCurve turns data, predictive models and a lender’s policies into decisions and customer workflows. Its separate products, real deployments and place within Experian’s Ascend Platform explain what the software does, and what its performance claims cannot establish.

15 sources3 versions

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