Financial institutions and fintechs are recognizing AI’s ability to improve overall portfolio health, whether it’s through reduced delinquencies, enhanced credit decisions or diversification.  In an FDIC case study, AI decreased loan default rates by 2.7 percentage points, down nearly 30%, according to a 2025 report by the agency, which evaluated a dataset of more than 4.5 million loans.   Slashing delinquencies   AI’s ability to detect patterns and predict late […]