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245<video autoplay="" class="bg-video fr-draggable" loop="" muted="" playsinline=""> 246 <source src="/videos/full_BG.mp4" type="video/mp4"> 247 Your browser does not support the video tag. 248 </video> 249 </span> 250 --> 251 252<div class="hero-content"> 253<div class="row align-items-center justify-content-between hero-top"> 254<div class="col-lg-7 hero-text"> 255 256<h1 class="hero-title"> 257WE LIKE SOLVING 258<br>THE HARD PROBLEMS! 259</h1> 260 261<p class="hero-description"> 262Deep Future Analytics (DFA) is the result of 30 years of research and experience in credit risk analytics, in all its many aspects. With a team of 25 expert data scientists, technologists, and economists, DFA is led by Dr. Joseph Breeden, a pioneer in the field of risk modeling. Together, we equip financial institutions with actionable intelligence to drive smarter, more strategic decisions. 263</p> 264</div> 265 266<div class="col-lg-5 hero-visual"> 267<span class="fr-video fr-deletable fr-draggable" contenteditable="false"><video autoplay="" class="hero-main-image fr-draggable" loop="" muted="" playsinline=""> 268 269 <source src="/videos/dfa-hero-video.mp4" type="video/mp4"> 270 Your browser does not support the video tag. 271 </video></span> 272 273</div> 274</div> 275<div class="row hero-bottom"> 276<div class="col-12 p-0"> 277<div class="service-cards d-flex justify-content-center"> 278<a href="https://deepfutureanalytics.ai/en" target="_blank"> 279<div class="service-card col-12 col-lg-4 col-md-12 col-sm-12"> 280<div class="service-icon"> 281<img src="/files/media/Media7eb878f8d2013e70c911c675b086c3d2.png" alt="MRM AI Monitor"> 282</div> 283 284<h3 class="service-title">MRM: AI Monitor 285</h3> 286 287</div> 288</a> 289<a href="/page/solutions" target="_blank"> 290<div class="service-card col-12 col-lg-4 col-md-12 col-sm-12"> 291<div class="service-icon"> 292<img src="/files/media/Media0e06bc0c5fb2f0a2282f1acd3a9d0b13.png" alt="Credit Risk Software"> 293</div> 294 295<h3 class="service-title">Credit Risk 296<br>Software Solutions</h3> 297 298</div> 299</a> 300<a href="/page/consulting" target="_blank"> 301<div class="service-card col-12 col-lg-4 col-md-12 col-sm-12"> 302<div class="service-icon"> 303<img src="/files/media/Mediaf481210aa6fa30835e6cfa8819734d0d.png" alt="Consulting Services"> 304</div> 305 306<h3 class="service-title">Consulting Services</h3> 307</div> 308</a> 309</div> 310</div> 311</div> 312</div> 313</div> 314</div></div> 315 </div> 316 317 <div class="static-block staticBlock15"> 318 <div class="container-fluid" style="padding-top: 0px;padding-bottom: 0px;" ><div class="static-block hmpg-innovations-section" id="innovations"> 319<div class="container"> 320<div class="innovations-content text-center"> 321 322<h2 class="section-title">Revolutionizing Consumer Risk Analytics</h2> 323 324<h3 class="section-subtitle">First-in-Industry Innovations</h3> 325 326<div class="row innovations-grid justify-content-center align-items-start"> 327<!-- Left Image --> 328<div class="col-12 col-md-auto d-flex justify-content-center mb-3 mb-md-0 p-0"> 329<img src="/files/media/media__c5ec7f21de67283c9fd7e91162ca3a5a.png" alt="Innovation Visualization" class="innovations-image"> 330</div> 331 332<!-- Innovations List --> 333<div class="col-12 col-md"> 334<div class="innovations-list"> 335<!-- List Items --> 336<div class="d-flex align-items-center mb-3 innovations-list-content"> 337<div class="innovation-number mr-3">1st</div> 338<div class="innovation-bar">to invent <strong>vintage modeling</strong> for consumer lending in the 1990s</div> 339</div> 340<div class="d-flex align-items-center mb-3 innovations-list-content"> 341<div class="innovation-number mr-3">1st</div> 342<div class="innovation-bar"><strong>major CECL study</strong> released in April 2017</div> 343</div> 344<div class="d-flex align-items-center mb-3 innovations-list-content"> 345<div class="innovation-number mr-3">1st</div> 346<div class="innovation-bar">solution that <strong>integrates all credit risk needs</strong> with the same account-level, scenario-driven modeling framework.</
346div> 347</div> 348<div class="d-flex align-items-center mb-3 innovations-list-content"> 349<div class="innovation-number mr-3">1st</div> 350<div class="innovation-bar">to deploy <strong>stress testing software</strong>, 10 years before CCAR / DFAST</div> 351</div> 352<div class="d-flex align-items-center mb-3 innovations-list-content"> 353<div class="innovation-number mr-3">1st</div> 354<div class="innovation-bar">to deploy <strong>CECL software</strong>, 1 week after the rules were finalized</div> 355</div> 356<div class="d-flex align-items-center mb-3 innovations-list-content"> 357<div class="innovation-number mr-3">1st</div> 358<div class="innovation-bar">to solve economic <strong>contagion modeling</strong> for climate risk</div> 359</div> 360<div class="d-flex align-items-center mb-3 innovations-list-content"> 361<div class="innovation-number mr-3">1st</div> 362<div class="innovation-bar">to deploy <strong>AI compliance monitoring</strong> for frontline AI</div> 363</div> 364</div> 365 366<!-- Pioneering & Publications Section --> 367<div class="row innovations-bottom mt-5"> 368<!-- Pioneering Solutions --> 369<div class="col-12 col-lg-8 pioneering-solutions"> 370 371<h4 class="pioneering-title">Pioneering Solutions</h4> 372 373<ul class="pioneering-text list-unstyled"> 374<li>
374Our software <span class="highlight">predicted the US mortgage crisis</span> as early as Feb 2006 for our clients.</li> 375<li>Solved the <span class="highlight">long-range forecasting problem</span> in machine learning and AI</li> 376<li>Solved the <span class="highlight">out-of-time deterioration problem</span> in scoring, traditional and ML/AI</li> 377</ul> 378</div> 379 380<!-- Publications 381 <div class="col-12 col-lg-4 publications"> 382 383 <h4 class="publications-title">Publications</h4> 384 <div class="publications-grid"> 385 <img src="/files/media/Mediaef0598a3a5257fce0c88f2435b8bd4e3.jpg" alt="Publication 4" class="publication-item"> 386 <img src="/files/media/Mediae0e5a7adb896a8b32d4c9f473ed58521.jpg" alt="Publication 3" class="publication-item"> 387 <img src="/files/media/Mediaf4ec9cb0eec4fb0dcfe0011a82304776.jpg" alt="Publication 2" class="publication-item"> 388 <img src="/files/media/Mediafed0c388290f22902743cde032f1e162.jpg" alt="Publication 1" class="publication-item"> 389 </div> 390 </div> --> 391 392 393</div> 394</div> 395 396<!-- /col --> 397</div> 398<!-- /row.innovations-grid --> 399</div> 400 401</div> 402</div></div> 403 </div> 404 405 406 <div class="container"> 407 <div class=""> 408 <div class="banner-slider" style="margin-top: 15px; margin-bottom: 60px; "> 409 <div class="title-border"> 410 <h3> <p> 411<span style="white-space:pre-wrap;">Blog</span> 412</p></h3> 413 </div><!-- title-border--> 414 <div class="row popular-products-contain"> 415 416 <div class="slider-sg col-sm-12"> 417 <div class="slider-sg-inner" style="margin-left: -12px; margin-right: -12px;"> 418 <ul class="MagicScroll item_ banner-onerow-slider" id="tab_magic_slider_2" data-options="items: [ [600,2], [800,2.5], [1000,3], [1200,3], [2000,3] ];step: 1; autoplay: 5000; arrows: false;pagination: true;;"> 419 420 421 422 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 423 424 <div class="blog-items"> 425 <div class="blog-thumb"> 426 <div class="blog-img" style="padding-top:75%"> 427 <a href="https://www.deepfutureanalytics.com/en/blog/economic-benefits-of-score-market-competition"> 428 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featureec16eb322f3717d92804102831f0e52e.png" alt="Economic Benefits of Score Market Competition"> 429 </a> 430 </div> 431 <div class="blog-content"> 432 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/economic-benefits-of-score-market-competition" class="link-product-name">Economic Benefits of Score Market Competition for Conforming Mortgages</a></h2> 433 <h4 class="post-short-description">This study evaluates the economic consequences of that competitive shift, specifically focusing on the impact to credit score costs that are ultimately borne by mortgage borrowers.</h4> 434 <div class="blog-list-date">2026-09-01 12:00:00</div> 435 </div> 436 </div> 437</div> </li> 438 439 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 440 441 <div class="blog-items"> 442 <div class="blog-thumb"> 443 <div class="blog-img" style="padding-top:75%"> 444 <a href="https://www.deepfutureanalytics.com/en/blog/the-evolution-of-goals-in-ai-agents-2"> 445 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature6ab8b8014b022c884536a03c9569e175.png" alt="The evolution of goals in AI agents"> 446 </a> 447 </div> 448 <div class="blog-content"> 449 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/the-evolution-of-goals-in-ai-agents-2" class="link-product-name">The evolution of goals in AI agents</a></h2> 450 <h4 class="post-short-description">Forced evolution has been proposed as a possible path to developing artificial general intelligence. For practical reasons, 451self-replicating robots are being proposed for missions where direct manufacture could be prohibitive or as a cost-effective 452means to maintain a stable working population of robots. If self-replication occurs in a harsh (i.e. selective) environment, 453the forces of evolution may distort the originally programmed objectives. Via millions of simulations of AI agents with 454 455nematode-level neural networks, this research explores the consequences of allowing replication in a hostile and competi- 456tive environment. As the selection pressures are tuned, the evolution of their neural networks and corresponding behav- 457ioral changes are tracked. As a consequence of these simulations, agents with multi-layer neural networks trained simply 458 459to retrieve resources, consume needed resources, and evade obstacles evolve behaviors that look like evasion of hostile 460overseers, the intended murder of enemies, and cannibalism of other agents. These simulations are intended to directly 461address safety concerns around creating self-replicating AI agents or robots. As designers, if we allow replication under
462selection pressure, regardless of initial designs, we risk allowing the emergence of unintended strategies. One solution to 463preventing evolution could be to enable AI agents with continuous backupâ immortality.</h4> 464 <div class="blog-list-date">2025-09-08 12:00:00</div> 465 </div> 466 </div> 467</div> </li> 468 469 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 470 471 <div class="blog-items"> 472 <div class="blog-thumb"> 473 <div class="blog-img" style="padding-top:75%"> 474 <a href="https://www.deepfutureanalytics.com/en/blog/an-age-ndash-period-ndash-cohort-framework-for-profit-a"> 475 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featuredd9523f8758bb7b078b0753e34e375d8.png" alt="An AgeâPeriodâCohort Framework for Profit and Profit Volatility Modeling"> 476 </a> 477 </div> 478 <div class="blog-content"> 479 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/an-age-ndash-period-ndash-cohort-framework-for-profit-a" class="link-product-name">An AgeâPeriodâCohort Framework for Profit and Profit Volatility Modeling</a></h2> 480 <h4 class="post-short-description">The greatest source of failure in portfolio analytics is not individual models that perform 481poorly, but rather an inability to integrate models quantitatively across management functions. The 482separable components of ageâperiodâcohort models provide a framework for integrated credit risk 483modeling across an organization. Using a panel data structure, credit risk scores can be integrated 484with an APC framework using either logistic regression or machine learning. Such APC scores for 485default, payoff, and other key rates fit naturally into forward-looking cash flow estimates. Given 486an economic scenario, every applicant at the time of origination can be assigned profit and profit 487volatility estimates so that underwriting can truly be account-level. This process optimizes the most 488fallible part of underwriting, which is setting cutoff scores and assigning loan pricing and terms. 489This article provides a summary of applications of APC models across portfolio management roles, 490with a description of how to create the models to be directly integrated. As a consequence, cash 491flow calculations are available for each account, and cutoff scores can be set directly from portfolio 492financial targets.</h4> 493 <div class="blog-list-date">2025-09-08 12:00:00</div> 494 </div> 495 </div> 496</div> </li> 497 498 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 499 500 <div class="blog-items"> 501 <div class="blog-thumb"> 502 <div class="blog-img" style="padding-top:75%"> 503 <a href="https://www.deepfutureanalytics.com/en/blog/stabilizing-machine-learning-models-with-age-period-coh"> 504 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature7fd7155d13cafc8cc42afab55f24b623.png" alt="Stabilizing machine learning models with Age-Period-Cohort inputs for scoring and stress testing"> 505 </a> 506 </div> 507 <div class="blog-content"> 508 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/stabilizing-machine-learning-models-with-age-period-coh" class="link-product-name">Stabilizing machine learning models with Age-Period-Cohort inputs for scoring and stress testing</a></h2> 509 <h4 class="post-short-description">Machine learning models have been used extensively for credit scoring, 510but the architectures employed su 511 512er from a significant loss in accuracy 513out-of-sample and out-of-time. Further, the most common architectures do 514not e 515ectively integrate economic scenarios to enable stress testing, cash flow, 516or yield estimation. The present research demonstrates that providing lifecycle 517and environment functions from Age-Period-Cohort analysis can significantly 518improve out-of-sample and out-of-time performance as well as enabling the 519modelâs use in both scoring and stress testing applications. This method is 520demonstrated for behavior scoring where account delinquency is one of the
521provided inputs, because behavior scoring has historically presented the most 522diculties for combining credit scoring and stress testing. Our method works 523well in both origination and behavior scoring. The results are also compared to 524multihorizon survival models, which share the same architectural design with 525Age-Period-Cohort inputs and coecients that vary with forecast horizon, but 526using a logistic regression estimation of the model. The analysis was performed 527on 30-year prime conforming US mortgage data. Nonlinear problems involving 528large amounts of alternate data are best at highlighting the advantages of machine 529learning. Data from Fannie Mae and Freddie Mac is not such a test case, but it serves 530the purpose of comparing these methods with and without Age-Period-Cohort 531inputs. In order to make a fair comparison, all models are given a panel structure 532where each account is observed monthly to determine default or non-default.</h4> 533 <div class="blog-list-date">2025-09-08 12:00:00</div> 534 </div> 535 </div> 536</div> </li> 537 538 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 539 540 <div class="blog-items"> 541 <div class="blog-thumb"> 542 <div class="blog-img" style="padding-top:75%"> 543 <a href="https://www.deepfutureanalytics.com/en/blog/classical-and-quantum-computing-methods-for-estimating"> 544 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featurebfda4a1a0079ae2c36513f41f40e4722.png" alt="Classical and quantum computing methods for estimating loan-level risk distributions"> 545 </a> 546 </div> 547 <div class="blog-content"> 548 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/classical-and-quantum-computing-methods-for-estimating" class="link-product-name">Classical and quantum computing methods for estimating loan-level risk distributions</a></h2> 549 <h4 class="post-short-description">Classical and quantum computing methods for estimating loan-level risk distributions</h4> 550 <div class="blog-list-date">2025-09-05 12:00:00</div> 551 </div> 552 </div> 553</div> </li> 554 555 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 556 557 <div class="blog-items"> 558 <div class="blog-thumb"> 559 <div class="blog-img" style="padding-top:75%"> 560 <a href="https://www.deepfutureanalytics.com/en/blog/effective-generative-ai-model-risk-management"> 561 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature3b55ad1b66ce0ca2113d198aa6d14c18.png" alt="Effective Generative AI Model Risk Management"> 562 </a> 563 </div> 564 <div class="blog-content"> 565 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/effective-generative-ai-model-risk-management" class="link-product-name">Effective Generative AI Model Risk Management</a></h2> 566 <h4 class="post-short-description">Effective Generative AI Model Risk Management</h4> 567 <div class="blog-list-date">2025-09-03 12:00:00</div> 568 </div> 569 </div> 570</div> </li> 571 572 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 573 574 <div class="blog-items"> 575 <div class="blog-thumb"> 576 <div class="blog-img" style="padding-top:75%"> 577 <a href="https://www.deepfutureanalytics.com/en/blog/a-theory-of-borrowers"> 578 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featuree6e62216684fd6c523e3a9acfe5dc5f9.png" alt="A Theory of Borrowers"> 579 </a> 580 </div> 581 <div class="blog-content"> 582 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/a-theory-of-borrowers" class="link-product-name">A Theory of Borrowers</a></h2> 583 <h4 class="post-short-description">Credit Risk, Adverse Selection, Age-Period-Cohort 584Models</h4> 585 <div class="blog-list-date">2025-09-03 12:00:00</div> 586 </div> 587 </div> 588</div> </li> 589 590 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 591 592 <div class="blog-items"> 593 <div class="blog-thumb"> 594 <div class="blog-img" style="padding-top:75%"> 595 <a href="https://www.deepfutureanalytics.com/en/blog/journal-of-the-operational-research-society"> 596 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature8e8a1801ea883e5257f2ef981d79332d.png" alt="Journal of the Operational Research Society"> 597 </a> 598 </div> 599 <div class="blog-content"> 600 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/journal-of-the-operational-research-society" class="link-product-name">Journal of the Operational Research Society</a></h2> 601 <h4 class="post-short-description">The new accounting standards of CECL for the US and IFRS 9 elsewhere require predictions 602of lifetime losses for loans. The use of roll rates, state transition and âvintageâ models has 603been proposed and indeed are used by practitioners. The first two methods are relatively 604more accurate for predictions of up to one year, because they include lagged delinquency 605 606as a predictor, whereas âvintageâ models are more accurate for predictions for longer peri- 607ods, but not short periods because they omit delinquency as a predictor variable. In this 608 609paper we propose the use of survival models that include lagged delinquency as a covariate 610and show, using a large sample of 30 year mortgages, that the proposed method is more 611accurate than any of the other three methods for both short-term and long-term predictions 612of the probability of delinquency. We experiment extensively to find the appropriate lagging 613structure for the delinquency term. The results provide a new method to make lifetime loss 614predictions, as required by CECL and IFRS 9 Stage 2.</h4> 615 <div class="blog-list-date">2025-09-03 12:00:00</div> 616 </div> 617 </div> 618</div> </li> 619 620 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 621 622 <div class="blog-items"> 623 <div class="blog-thumb"> 624 <div class="blog-img" style="padding-top:75%"> 625 <a href="https://www.deepfutureanalytics.com/en/blog/a-survey-of-machine-learning-in-credit-risk"> 626 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featured6524fa00f5a562065f6b72592284b4d.png" alt="A survey of machine learning in credit risk"> 627 </a> 628 </div> 629 <div class="blog-content"> 630 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/a-survey-of-machine-learning-in-credit-risk" class="link-product-name">A survey of machine learning in credit risk</a></h2> 631 <h4 class="post-short-description">Machine learning algorithms have come to dominate several industries. After 632 633decades of resistance from examiners and auditors, machine learning is now mov- 634ing from the research desk to the application stack for credit scoring and a range 635 636of other applications in credit risk.</h4> 637 <div class="blog-list-date">2025-07-25 12:00:00</div> 638 </div> 639 </div> 640</div> </li> 641 642 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 643 644 <div class="blog-items"> 645 <div class="blog-thumb"> 646 <div class="blog-img" style="padding-top:75%"> 647 <a href="https://www.deepfutureanalytics.com/en/blog/creating-unbiased-machine-learning-models-by-design"> 648 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature8c49cc442f88e58de55bf1b9fefc4b84.png" alt="Creating Unbiased Machine Learning Models by Design"> 649 </a> 650 </div> 651 <div class="blog-content"> 652 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/creating-unbiased-machine-learning-models-by-design" class="link-product-name">Creating Unbiased Machine Learning Models by Design</a></h2> 653 <h4 class="post-short-description">Unintended bias against protected groups has become a key obstacle to the widespread adoption of machine learning methods.</h4> 654 <div class="blog-list-date">2025-08-10 12:00:00</div> 655 </div> 656 </div> 657</div> </li> 658 659 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 660 661 <div class="blog-items"> 662 <div class="blog-thumb"> 663 <div class="blog-img" style="padding-top:75%"> 664 <a href="https://www.deepfutureanalytics.com/en/blog/solving-the-long-range-forecasting-problem-in-supervise"> 665 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature670a43d1f8c4b874506dceeaaccdcf9d.png" alt="Solving the Long-R
665ange Forecasting Problem in Supervised Learning"> 666 </a> 667 </div> 668 <div class="blog-content"> 669 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/solving-the-long-range-forecasting-problem-in-supervise" class="link-product-name">Solving the Long-Range Forecasting Problem in Supervised Learning</a></h2> 670 <h4 class="post-short-description">In a world where big data is everywhere, no one has big data relative to the economic cycle. Data volume needs to be thought of along two dimensions.</h4> 671 <div class="blog-list-date">2025-08-10 12:00:00</div> 672 </div> 673 </div> 674</div> </li> 675 676 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 677 678 <div class="blog-items"> 679 <div class="blog-thumb"> 680 <div class="blog-img" style="padding-top:75%"> 681 <a href="https://www.deepfutureanalytics.com/en/blog/impacts-of-drought-on-loan-repayment"> 682 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature7be2454b2296da87a110ebd8f8291725.png" alt="Impacts of Drought on Loan Repayment"> 683 </a> 684 </div> 685 <div class="blog-content"> 686 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/impacts-of-drought-on-loan-repayment" class="link-product-name">Impacts of Drought on Loan Repayment</a></h2> 687 <h4 class="post-short-description">In order to stress test loan portfolios for the impacts of climate change, historical events need to be analyzed to create templates to stress test for future events. Using the 2012 Midwestern US drought as an example, this work creates a stress-testing template for future droughts. The analysis connects weather and crop yield data to impacts on local macroeconomic conditions by comparing drought-impacted agricultural counties with nearby urban counties. After measuring the net macroeconomic impacts of the drought, this was used as an overlay with existing macroeconomic stress models to stress test a lender in a different part of the US for possible drought impacts. Having a library of such climate events would allow lenders to stress test their portfolios for a wide range of possible impacts.</h4> 688 <div class="blog-list-date">2025-07-23 12:00:00</div> 689 </div> 690 </div> 691</div> </li> 692 693 694 </ul> 695 </div> 696 </div> 697 </div><!-- popular-products-contain--> 698 <div class="footer"><!-- <a class="btn btn-primary" href="/blog/category/blogs">More Posts</a> --></div> 699 </div><!-- banner-slider--> 700 </div><!-- insidecontainer --> 701</div><!-- container --> 702 <div class="static-block staticBlock16"> 703 <div class="container-fluid" style="padding-top: 0px;padding-bottom: 0px;" ><div class="static-block hmpg-software-section"> 704<div class="container"> 705 706 707<!-- 708 <span class="fr-video fr-deletable fr-draggable" contenteditable="false"><video autoplay="" class="bg-video fr-draggable" loop="" muted="" playsinline=""> 709 <source src="/videos/Connection_Data_1920x1080.mp4" type="video/mp4"> 710 Your browser does not support the video tag. 711 </video></span> --> 712 713 714<span class="fr-image-span"> 715<img class="bg-image" src="/files/media/Mediaa409342f311f7c5ed530999e1ce53946.jpg" alt="bg"> 716</span> 717 718 719 720<div class="software-section-parent"> 721<div class="software-content"> 722 723<h2 class="software-title">Credit Risk Software Solutions</h2> 724<div class="software-grid"> 725<div class="software-card"> 726<a href="/page/solutions#solution1"> 727<div class="software-card-image" style=" 728 background-image: url('/files/media/Media9bf38243893043c3a42f172ddd946ffb.jpg');"> 729<div class="software-card-title">Retail Portfolio Analytics</div> 730</div> 731</a> 732 733 734<div class="software-card-content"> 735 736<p class="software-card-description"> 737including delinquency, loss, and profitability; 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hi/+gSCCbqrerOFk/wOZDc792xu3AvArzTPyhG5u9Qd4ISxKGL7j0Z4ncOLjLQ3lACNsniv8TEm0UxiBTOObk0uunBOltiWeGM4OmTrVWZTaN7KrCDXPpiN8PfEO6Kc1Z1hIfgjcQXyC2CsTIjVB/qeAEv2+QjwIjGJ0lY0GR3MQhe+YX0fZHv3Zt8c+X7cKDv/l6lQHg4OtoaDoL+3P0JDPXPUdWlj1bHEjmlls1WruatopcaZ0tmAhNfQQKfcLjb+sZl09OlGo9DGn5v944O9wJqkyBDucxaCs6PIQgOZLkS6zh3gMExdbkH5ZrwX98WPmI7Nt5qlDCW3RByx1FxuObKlQsOBjqZUHeTYKq4W6qaxc1iNTRaG4xwleAK5Dk4DCA+yijGs+
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(/figma)-->"></span><span style="white-space:pre-wrap;">Articles</span> 1182</p></h3> 1183 </div><!-- title-border--> 1184 <div class="row popular-products-contain"> 1185 1186 <div class="slider-sg col-sm-12"> 1187 <div class="slider-sg-inner" style="margin-left: -12px; margin-right: -12px;"> 1188 <ul class="MagicScroll item_ banner-onerow-slider" id="tab_magic_slider_1" data-options="items: [ [600,2], [800,2.5], [1000,3], [1200,3], [2000,3] ];step: 1; autoplay: 5000; arrows: false;pagination: true;;"> 1189 1190 1191 1192 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 1193 1194 <div class="blog-items"> 1195 <div class="blog-thumb"> 1196 <div class="blog-img" style="padding-top:75%"> 1197 <a href="https://www.deepfutureanalytics.com/en/blog/stress-testing-for-pandemics"> 1198 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featurec4efe15c020440745dc4731ea67d8552.png" alt="Stress Testing for Pandemics"> 1199 </a> 1200 </div> 1201 <div class="blog-content"> 1202 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/stress-testing-for-pandemics" class="link-product-name">Stress Testing for Pandemics</a></h2> 1203 <h4 class="post-short-description">Given the unfortunate global headlines about coronavirus, lenders are starting to ask about stress testing the financial impacts of possible pandemics. For some, that is dusting off old plans. For others, it is devising new plans. For myself, it is reliving the past.</h4> 1204 <div class="blog-list-date">2025-07-10 12:00:00</div> 1205 </div> 1206 </div> 1207</div> </li> 1208 1209 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 1210 1211 <div class="blog-items"> 1212 <div class="blog-thumb"> 1213 <div class="blog-img" style="padding-top:75%"> 1214 <a href="https://www.deepfutureanalytics.com/en/blog/normalizing-pandemic-data-for-credit-scoring"> 1215 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature88451c5eca253ec68e8c3fc66d7fdc03.png" alt="Normalizing Pandemic Data for Credit Scoring"> 1216 </a> 1217 </div> 1218 <div class="blog-content"> 1219 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/normalizing-pandemic-data-for-credit-scoring" class="link-product-name">Normalizing Pandemic Data for Credit Scoring</a></h2> 1220 <h4 class="post-short-description">The COVID-19 pandemic created abnormal credit risk conditions that did not align well with pre-2020 credit scores. Since the pandemic, most organizations have either excluded the peri
1220od 2020-2021 from their modeling or included it without adjustment, leaving it as noise in the data. Model validators and examiners have been divided about requiring one of these approaches or defaulting to model developer judgment. None of this is ideal from a model development perspective. We have found that a technical solution is available. Our analysis uses lifecycle and environment outputs from an Age-Period-Cohort analysis as fixed offsets to the credit score development. Panel data is used, so the credit score is developed with a discrete time survival model approach. We tested logistic regression and stochastic gradient boosted regression trees as estimators with the panel data and APC inputs. For this research, we used Fannie Mae data. The APC model was estimated on the full available history, from 2005 through 2024. The origination scores were estimated on two-year periods from 2016 through 2024 and tested on all other periods, including a score that was developed on the full period. All models were also tested on comparably prepared data from Freddie Mac for cross-validation.</h4> 1221 <div class="blog-list-date">2025-07-10 12:00:00</div> 1222 </div> 1223 </div> 1224</div> </li> 1225 1226 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 1227 1228 <div class="blog-items"> 1229 <div class="blog-thumb"> 1230 <div class="blog-img" style="padding-top:75%"> 1231 <a href="https://www.deepfutureanalytics.com/en/blog/current-expected-credit-loss-procyclicality"> 1232 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature6d4227eff53f9cceb5e551722dde9ac1.png" alt="Current expected credit loss procyclicality: it depends on the model"> 1233 </a> 1234 </div> 1235 <div class="blog-content"> 1236 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/current-expected-credit-loss-procyclicality" class="link-product-name">Current expected credit loss procyclicality: it depends on the model</a></h2> 1237 <h4 class="post-short-description">Current expected credit loss procyclicality: it depends on the model</h4> 1238 <div class="blog-list-date">2025-07-25 12:00:00</div> 1239 </div> 1240 </div> 1241</div> </li> 1242 1243 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 1244 1245 <div class="blog-items"> 1246 <div class="blog-thumb"> 1247 <div class="blog-img" style="padding-top:75%"> 1248 <a href="https://www.deepfutureanalytics.com/en/blog/when-big-data-is-not-enough"> 1249 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature2dbc7453609eafa1d32cd33bced0b17c.png" alt="When Big Data Isnât Enough"> 1250 </a> 1251 </div> 1252 <div class="blog-content"> 1253 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/when-big-data-is-not-enough" class="link-product-name">When Big Data Isnât Enough: Solving the long-range forecasting problem in supervised learning</a></h2> 1254 <h4 class="post-short-description">n a world where big data is everywhere, no one has big data relative to the economic cycle. Data volume needs to be thought of along two dimensions. (1) How many accounts / transactions / data fields do we have? (2) How much time history do we have? Few, if any, big data sets include history covering one economic cycle (back to 2005) or two economic cycles (back to 1998). Therefore, unstructured learning algorithms will be unable to distinguish between long-term macroeconomic drivers and point-in-time variations across accounts or transactions. This is the colinearity problem that is well known in consumer lending.</h4> 1255 <div class="blog-list-date">2025-07-25 12:00:00</div> 1256 </div> 1257 </div> 1258</div> </li> 1259 1260 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 1261 1262 <div class="blog-items"> 1263 <div class="blog-thumb"> 1264 <div class="blog-img" style="padding-top:75%"> 1265 <a href="https://www.deepfutureanalytics.com/en/blog/consumer-risk-appetite-the-credit-cycle-and-the-housing"> 1266 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature79e0179bc462
1266c50d1e2d6d32f4459c52.png" alt="Research Paper"> 1267 </a> 1268 </div> 1269 <div class="blog-content"> 1270 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/consumer-risk-appetite-the-credit-cycle-and-the-housing" class="link-product-name">Consumer risk appetite, the credit cycle and the housing bubble</a></h2> 1271 <h4 class="post-short-description">In this paper, we explore the role of consumer risk appetite in the initiation of credit 1272cycles and as an early trigger of the US mortgage crisis. We analyze a panel data set 1273of mortgages originated between 2000 and 2009 and follow their performance up to 12742014. After controlling for all of the usual observable effects, we show that a strong 1275residual vintage effect remains. This vintage effect correlates well with consumer 1276mortgage demand, as measured by the Federal Reserve Boardâs Senior Loan Officer 1277Opinion Survey, and with changes in mortgage pricing at the time the loan was 1278originated. Our findings are consistent with an economic environment in which the 1279incentives of low-risk consumers to obtain a mortgage decrease when the cost of 1280obtaining a loan rises. As a result, mortgage originators generate mortgages from a 1281pool of consumers with changing risk profiles over the credit cycle. The unobservable 1282component of the shift in credit risk, relative to the usual underwriting criteria, may 1283be thought of as macroeconomic adverse selection.</h4> 1284 <div class="blog-list-date">2025-07-25 12:00:00</div> 1285 </div> 1286 </div> 1287</div> </li> 1288 1289 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 1290 1291 <div class="blog-items"> 1292 <div class="blog-thumb"> 1293 <div class="blog-img" style="padding-top:75%"> 1294 <a href="https://www.deepfutureanalytics.com/en/blog/instabilities-using-cox-proportional-hazards-models-in"> 1295 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featuredf80923080a1c61915f20c5341a4fe61.png" alt="Instabilities Using Cox Proportional Hazards Models in Credit Risk"> 1296 </a> 1297 </div> 1298 <div class="blog-content"> 1299 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/instabilities-using-cox-proportional-hazards-models-in" class="link-product-name">Instabilities Using Cox Proportional Hazards Models in Credit Risk</a></h2> 1300 <h4 class="post-short-description">When the underlying system or process that is being observed is based upon observations versus 1301age, vintage (origination time) and calendar time, Cox proportional hazards models can exhibit 1302instabilities because of embedded assumptions.</h4> 1303 <div class="blog-list-date">2025-07-25 12:00:00</div> 1304 </div> 1305 </div> 1306</div> </li> 1307 1308 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 1309 1310 <div class="blog-items"> 1311 <div class="blog-thumb"> 1312 <div class="blog-img" style="padding-top:75%"> 1313 <a href="https://www.deepfutureanalytics.com/en/blog/macroeconomic-adverse-selection-in-machine-learning-mod"> 1314 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300" alt="Macroeconomic Adverse Selection in Machine Learning Models of Credit Risk"> 1315 </a> 1316 </div> 1317 <div class="blog-content"> 1318 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/macroeconomic-adverse-selection-in-machine-learning-mod" class="link-product-name">Macroeconomic Adverse Selection in Machine Learning Models of Credit Risk</a></h2> 1319 <h4 class="post-short-description">Macroeconomic Adverse Selection in Machine Learning Models of Credit Risk</h4> 1320 <div class="blog-list-date">2025-07-25 12:00:00</div> 1321 </div> 1322 </div> 1323</div> </li> 1324 1325 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 1326 1327 <div class="blog-items"> 1328 <div class="blog-thumb"> 1329 <div class="blog-img" style="padding-top:75%"> 1330 <a href="https://www.deepfutureanalytics.com/en/blog/scoring-ai-generated-policy-recommendations-with-risk"> 1331 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature4f50ff9e94fa365681511b53bdf67ab3.png" alt="Scoring AIâgenerated policy recommendations with RiskâAdjusted Gain in Net Present Happiness"> 1332 </a> 1333 </div> 1334 <div class="blog-content"> 1335 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/scoring-ai-generated-policy-recommendations-with-risk" class="link-product-name">Scoring AIâgenerated policy recommendations with RiskâAdjusted Gain in Net Present Happiness</a></h2> 1336 <h4 class="post-short-description">Scoring AIâgenerated policy recommendations with RiskâAdjusted 1337Gain in Net Present Happiness</h4> 1338 <div class="blog-list-date">2025-07-25 12:00:00</div> 1339 </div> 1340 </div> 1341</div> </li> 1342 1343 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 1344 1345 <div class="blog-items"> 1346 <div class="blog-thumb"> 1347 <div class="blog-img" style="padding-top:75%"> 1348 <a href="https://www.deepfutureanalytics.com/en/blog/impacts-of-drought-on-loan-repayment"> 1349 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature7be2454b2296da87a110ebd8f8291725.png" alt="Impacts of Drought on Loan Repayment"> 1350 </a> 1351 </div> 1352 <div class="blog-content"> 1353 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/impacts-of-drought-on-loan-repayment" class="link-product-name">Impacts of Drought on Loan Repayment</a></h2> 1354 <h4 class="post-short-description">In order to stress test loan portfolios for the impacts of climate change, historical events need to be analyzed to create templates to stress test for future events. Using the 2012 Midwestern US drought as an example, this work creates a stress-testing template for future droughts. The analysis connects weather and crop yield data to impacts on local macroeconomic conditions by comparing drought-impacted agricultural counties with nearby urban counties. After measuring the net macroeconomic impacts of the drought, this was used as an overlay with existing macroeconomic stress models to stress test a lender in a different part of the US for possible drought impacts. Having a library of such climate events would allow lenders to stress test their portfolios for a wide range of possible impacts.</h4> 1355 <div class="blog-list-date">2025-07-23 12:00:00</div> 1356 </div> 1357 </div> 1358</div> </li> 1359 1360 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 1361 1362 <div class="blog-items"> 1363 <div class="blog-thumb"> 1364 <div class="blog-img" style="padding-top:75%"> 1365 <a href="https://www.deepfutureanalytics.com/en/blog/solving-the-long-range-forecasting-problem-in-supervise"> 1366 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature670a43d1f8c4b874506dceeaaccdcf9d.png" alt="Solving the Long-R
1366ange Forecasting Problem in Supervised Learning"> 1367 </a> 1368 </div> 1369 <div class="blog-content"> 1370 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/solving-the-long-range-forecasting-problem-in-supervise" class="link-product-name">Solving the Long-Range Forecasting Problem in Supervised Learning</a></h2> 1371 <h4 class="post-short-description">In a world where big data is everywhere, no one has big data relative to the economic cycle. Data volume needs to be thought of along two dimensions.</h4> 1372 <div class="blog-list-date">2025-08-10 12:00:00</div> 1373 </div> 1374 </div> 1375</div> </li> 1376 1377 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 1378 1379 <div class="blog-items"> 1380 <div class="blog-thumb"> 1381 <div class="blog-img" style="padding-top:75%"> 1382 <a href="https://www.deepfutureanalytics.com/en/blog/creating-unbiased-machine-learning-models-by-design"> 1383 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature8c49cc442f88e58de55bf1b9fefc4b84.png" alt="Creating Unbiased Machine Learning Models by Design"> 1384 </a> 1385 </div> 1386 <div class="blog-content"> 1387 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/creating-unbiased-machine-learning-models-by-design" class="link-product-name">Creating Unbiased Machine Learning Models by Design</a></h2> 1388 <h4 class="post-short-description">Unintended bias against protected groups has become a key obstacle to the widespread adoption of machine learning methods.</h4> 1389 <div class="blog-list-date">2025-08-10 12:00:00</div> 1390 </div> 1391 </div> 1392</div> </li> 1393 1394 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 1395 1396 <div class="blog-items"> 1397 <div class="blog-thumb"> 1398 <div class="blog-img" style="padding-top:75%"> 1399 <a href="https://www.deepfutureanalytics.com/en/blog/a-survey-of-machine-learning-in-credit-risk"> 1400 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featured6524fa00f5a562065f6b72592284b4d.png" alt="A survey of machine learning in credit risk"> 1401 </a> 1402 </div> 1403 <div class="blog-content"> 1404 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/a-survey-of-machine-learning-in-credit-risk" class="link-product-name">A survey of machine learning in credit risk</a></h2> 1405 <h4 class="post-short-description">Machine learning algorithms have come to dominate several industries. After 1406 1407decades of resistance from examiners and auditors, machine learning is now mov- 1408ing from the research desk to the application stack for credit scoring and a range 1409 1410of other applications in credit risk.</h4> 1411 <div class="blog-list-date">2025-07-25 12:00:00</div> 1412 </div> 1413 </div> 1414</div> </li> 1415 1416 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 1417 1418 <div class="blog-items"> 1419 <div class="blog-thumb"> 1420 <div class="blog-img" style="padding-top:75%"> 1421 <a href="https://www.deepfutureanalytics.com/en/blog/journal-of-the-operational-research-society"> 1422 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature8e8a1801ea883e5257f2ef981d79332d.png" alt="Journal of the Operational Research Society"> 1423 </a> 1424 </div> 1425 <div class="blog-content"> 1426 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/journal-of-the-operational-research-society" class="link-product-name">Journal of the Operational Research Society</a></h2> 1427 <h4 class="post-short-description">The new accounting standards of CECL for the US and IFRS 9 elsewhere require predictions 1428of lifetime losses for loans. The use of roll rates, state transition and âvintageâ models has 1429been proposed and indeed are used by practitioners. The first two methods are relatively 1430more accurate for predictions of up to one year, because they include lagged delinquency 1431 1432as a predictor, whereas âvintageâ models are more accurate for predictions for longer peri- 1433ods, but not short periods because they omit delinquency as a predictor variable. In this 1434 1435paper we propose the use of survival models that include lagged delinquency as a covariate 1436and show, using a large sample of 30 year mortgages, that the proposed method is more 1437accurate than any of the other three methods for both short-term and long-term predictions 1438of the probability of delinquency. We experiment extensively to find the appropriate lagging 1439structure for the delinquency term. The results provide a new method to make lifetime loss 1440predictions, as required by CECL and IFRS 9 Stage 2.</h4> 1441 <div class="blog-list-date">2025-09-03 12:00:00</div> 1442 </div> 1443 </div> 1444</div> </li> 1445 1446 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 1447 1448 <div class="blog-items"> 1449 <div class="blog-thumb"> 1450 <div class="blog-img" style="padding-top:75%"> 1451 <a href="https://www.deepfutureanalytics.com/en/blog/a-theory-of-borrowers"> 1452 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featuree6e62216684fd6c523e3a9acfe5dc5f9.png" alt="A Theory of Borrowers"> 1453 </a> 1454 </div> 1455 <div class="blog-content"> 1456 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/a-theory-of-borrowers" class="link-product-name">A Theory of Borrowers</a></h2> 1457 <h4 class="post-short-description">Credit Risk, Adverse Selection, Age-Period-Cohort 1458Models</h4> 1459 <div class="blog-list-date">2025-09-03 12:00:00</div> 1460 </div> 1461 </div> 1462</div> </li> 1463 1464 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 1465 1466 <div class="blog-items"> 1467 <div class="blog-thumb"> 1468 <div class="blog-img" style="padding-top:75%"> 1469 <a href="https://www.deepfutureanalytics.com/en/blog/effective-generative-ai-model-risk-management"> 1470 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature3b55ad1b66ce0ca2113d198aa6d14c18.png" alt="Effective Generative AI Model Risk Management"> 1471 </a> 1472 </div> 1473 <div class="blog-content"> 1474 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/effective-generative-ai-model-risk-management" class="link-product-name">Effective Generative AI Model Risk Management</a></h2> 1475 <h4 class="post-short-description">Effective Generative AI Model Risk Management</h4> 1476 <div class="blog-list-date">2025-09-03 12:00:00</div> 1477 </div> 1478 </div> 1479</div> </li> 1480 1481 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 1482 1483 <div class="blog-items"> 1484 <div class="blog-thumb"> 1485 <div class="blog-img" style="padding-top:75%"> 1486 <a href="https://www.deepfutureanalytics.com/en/blog/classical-and-quantum-computing-methods-for-estimating"> 1487 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featurebfda4a1a0079ae2c36513f41f40e4722.png" alt="Classical and quantum computing methods for estimating loan-level risk distributions"> 1488 </a> 1489 </div> 1490 <div class="blog-content"> 1491 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/classical-and-quantum-computing-methods-for-estimating" class="link-product-name">Classical and quantum computing methods for estimating loan-level risk distributions</a></h2> 1492 <h4 class="post-short-description">Classical and quantum computing methods for estimating loan-level risk distributions</h4> 1493 <div class="blog-list-date">2025-09-05 12:00:00</div> 1494 </div> 1495 </div> 1496</div> </li> 1497 1498 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 1499 1500 <div class="blog-items"> 1501 <div class="blog-thumb"> 1502 <div class="blog-img" style="padding-top:75%"> 1503 <a href="https://www.deepfutureanalytics.com/en/blog/stabilizing-machine-learning-models-with-age-period-coh"> 1504 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature7fd7155d13cafc8cc42afab55f24b623.png" alt="Stabilizing machine learning models with Age-Period-Cohort inputs for scoring and stress testing"> 1505 </a> 1506 </div> 1507 <div class="blog-content"> 1508 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/stabilizing-machine-learning-models-with-age-period-coh" class="link-product-name">Stabilizing machine learning models with Age-Period-Cohort inputs for scoring and stress testing</a></h2> 1509 <h4 class="post-short-description">Machine learning models have been used extensively for credit scoring, 1510but the architectures employed su 1511 1512er from a significant loss in accuracy 1513out-of-sample and out-of-time. Further, the most common architectures do 1514not e 1515ectively integrate economic scenarios to enable stress testing, cash flow, 1516or yield estimation. The present research demonstrates that providing lifecycle 1517and environment functions from Age-Period-Cohort analysis can significantly 1518improve out-of-sample and out-of-time performance as well as enabling the 1519modelâs use in both scoring and stress testing applications. This method is 1520demonstrated for behavior scoring where account delinquency is one of the
1521provided inputs, because behavior scoring has historically presented the most 1522diculties for combining credit scoring and stress testing. Our method works 1523well in both origination and behavior scoring. The results are also compared to 1524multihorizon survival models, which share the same architectural design with 1525Age-Period-Cohort inputs and coecients that vary with forecast horizon, but 1526using a logistic regression estimation of the model. The analysis was performed 1527on 30-year prime conforming US mortgage data. Nonlinear problems involving 1528large amounts of alternate data are best at highlighting the advantages of machine 1529learning. Data from Fannie Mae and Freddie Mac is not such a test case, but it serves 1530the purpose of comparing these methods with and without Age-Period-Cohort 1531inputs. In order to make a fair comparison, all models are given a panel structure 1532where each account is observed monthly to determine default or non-default.</h4> 1533 <div class="blog-list-date">2025-09-08 12:00:00</div> 1534 </div> 1535 </div> 1536</div> </li> 1537 1538 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 1539 1540 <div class="blog-items"> 1541 <div class="blog-thumb"> 1542 <div class="blog-img" style="padding-top:75%"> 1543 <a href="https://www.deepfutureanalytics.com/en/blog/an-age-ndash-period-ndash-cohort-framework-for-profit-a"> 1544 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featuredd9523f8758bb7b078b0753e34e375d8.png" alt="An AgeâPeriodâCohort Framework for Profit and Profit Volatility Modeling"> 1545 </a> 1546 </div> 1547 <div class="blog-content"> 1548 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/an-age-ndash-period-ndash-cohort-framework-for-profit-a" class="link-product-name">An AgeâPeriodâCohort Framework for Profit and Profit Volatility Modeling</a></h2> 1549 <h4 class="post-short-description">The greatest source of failure in portfolio analytics is not individual models that perform 1550poorly, but rather an inability to integrate models quantitatively across management functions. The 1551separable components of ageâperiodâcohort models provide a framework for integrated credit risk 1552modeling across an organization. Using a panel data structure, credit risk scores can be integrated 1553with an APC framework using either logistic regression or machine learning. Such APC scores for 1554default, payoff, and other key rates fit naturally into forward-looking cash flow estimates. Given 1555an economic scenario, every applicant at the time of origination can be assigned profit and profit 1556volatility estimates so that underwriting can truly be account-level. This process optimizes the most 1557fallible part of underwriting, which is setting cutoff scores and assigning loan pricing and terms. 1558This article provides a summary of applications of APC models across portfolio management roles, 1559with a description of how to create the models to be directly integrated. As a consequence, cash 1560flow calculations are available for each account, and cutoff scores can be set directly from portfolio 1561financial targets.</h4> 1562 <div class="blog-list-date">2025-09-08 12:00:00</div> 1563 </div> 1564 </div> 1565</div> </li> 1566 1567 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 1568 1569 <div class="blog-items"> 1570 <div class="blog-thumb"> 1571 <div class="blog-img" style="padding-top:75%"> 1572 <a href="https://www.deepfutureanalytics.com/en/blog/the-evolution-of-goals-in-ai-agents-2"> 1573 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/feature6ab8b8014b022c884536a03c9569e175.png" alt="The evolution of goals in AI agents"> 1574 </a> 1575 </div> 1576 <div class="blog-content"> 1577 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/the-evolution-of-goals-in-ai-agents-2" class="link-product-name">The evolution of goals in AI agents</a></h2> 1578 <h4 class="post-short-description">Forced evolution has been proposed as a possible path to developing artificial general intelligence. For practical reasons, 1579self-replicating robots are being proposed for missions where direct manufacture could be prohibitive or as a cost-effective 1580means to maintain a stable working population of robots. If self-replication occurs in a harsh (i.e. selective) environment, 1581the forces of evolution may distort the originally programmed objectives. Via millions of simulations of AI agents with 1582 1583nematode-level neural networks, this research explores the consequences of allowing replication in a hostile and competi- 1584tive environment. As the selection pressures are tuned, the evolution of their neural networks and corresponding behav- 1585ioral changes are tracked. As a consequence of these simulations, agents with multi-layer neural networks trained simply 1586 1587to retrieve resources, consume needed resources, and evade obstacles evolve behaviors that look like evasion of hostile 1588overseers, the intended murder of enemies, and cannibalism of other agents. These simulations are intended to directly 1589address safety concerns around creating self-replicating AI agents or robots. As designers, if we allow replication under
1590selection pressure, regardless of initial designs, we risk allowing the emergence of unintended strategies. One solution to 1591preventing evolution could be to enable AI agents with continuous backupâ immortality.</h4> 1592 <div class="blog-list-date">2025-09-08 12:00:00</div> 1593 </div> 1594 </div> 1595</div> </li> 1596 1597 <li class="item-box" style="padding-left: 12px; padding-right: 12px;"> 1598 1599 <div class="blog-items"> 1600 <div class="blog-thumb"> 1601 <div class="blog-img" style="padding-top:75%"> 1602 <a href="https://www.deepfutureanalytics.com/en/blog/economic-benefits-of-score-market-competition"> 1603 <img src="https://www.deepfutureanalytics.com/en/files/blog/thumb_400x300/featureec16eb322f3717d92804102831f0e52e.png" alt="Economic Benefits of Score Market Competition"> 1604 </a> 1605 </div> 1606 <div class="blog-content"> 1607 <h2 class="post-title"><a href="https://www.deepfutureanalytics.com/en/blog/economic-benefits-of-score-market-competition" class="link-product-name">Economic Benefits of Score Market Competition for Conforming Mortgages</a></h2> 1608 <h4 class="post-short-description">This study evaluates the economic consequences of that competitive shift, specifically focusing on the impact to credit score costs that are ultimately borne by mortgage borrowers.</h4> 1609 <div class="blog-list-date">2026-09-01 12:00:00</div> 1610 </div> 1611 </div> 1612</div> </li> 1613 1614 1615 </ul> 1616 </div> 1617 </div> 1618 </div><!-- popular-products-contain--> 1619 <div class="footer"><a class="btn btn-primary" href="/blog/category/all-articles">Explore Article</a></div> 1620 </div><!-- banner-slider--> 1621 </div><!-- insidecontainer --> 1622</div><!-- container --> 1623 <div class="static-block staticBlock24"> 1624 <div class="container-fluid" style="padding-top: 0px;padding-bottom: 0px;" ><div class="contact-us-ctn2"> 1625<img class="contact-box-bg" src="/files/media/Media516610349737e086f53e69807151c06e.jpg" alt="bg"> 1626<div class="contact-overlay"></div> 1627 1628<div class="contact-width"> 1629<div class="col-12 col-md-6 contact-one"> 1630<div class="social-contact"> 1631<div class="title-social">ADDRESS</div> 1632<div class="title-info"> 16331600 Lena St. Suite E-3 Santa Fe, NM 87505 1634</div> 1635</div> 1636<div class="social-contact"> 1637<div class="title-social">ADDRESS</div> 1638<div class="d-flex flex-column gap"> 1639<div class="d-flex"> 1640<div class="icon-social"> 1641<img class="img-fluid" src="https://dfa-uat.sepplatform.com/files/media/Media479d93157c6c0f1b08e2458dc92cffff.png" alt=""> 1642</div> 1643<div class="title-info">(505) 490-6094</div> 1644</div> 1645<div class="d-flex"> 1646<div class="icon-social"> 1647<img class="img-fluid" src="https://dfa-uat.sepplatform.com/files/media/Media5be70b80a837b1c2d4b9599dbd73aa72.png" alt="phone"> 1648</div> 1649<div class="title-info"><a href="/cdn-cgi/l/email-protection" class="__cf_email__" data-cfemail="bed7d0d8d1fedadbdbced8cbcacbccdbdfd0dfd2c7cad7ddcd90ddd1d3">[email protected]</a></div> 1650</div> 1651</div> 1652</div> 1653<div class="social-contact"> 1654<div class="title-social">FOLLOW US</div> 1655<div class="icon-social-group"> 1656<a href="https://www.linkedin.com/in/josephlbreeden/recent-activity/articles/" target="_blank"><img class="img-fluid" src="/files/media/Media0960ca8c37340d137050002653dc228e.png" alt="in"></a> 1657</div> 1658</div> 1659</div> 1660<div class="col-12 col-md-6 contact-two text-white"> 1661<style type="text/css"> 1662 .col-md- { padding-left:15px; 1663 padding-right:15px; 1664 } 1665</style> 1666 1667<form action="https://www.deepfutureanalytics.com/en/sendContactEmail" method="post" enctype="multipart/form-data" class="formone-size contactus" id="contactusform"> 1668 <input type="hidden" name="_token" value="i3S1MqMLbL4UgThO64FQOhG8n3o8GBvgEVjxp0Wa"> 1669 <div class="row"> 1670 <div class="form-group col-md-" style="width:100%"> 1671 <div class="form-row-inner"> 1672 <label>Name <i class="red">*</i></label> 1673 <div class="select_country" > 1674
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1731
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value="176" >Sierra Leone</option><option isd_code="65" short_code="SG" value="177" >Singapore</option><option isd_code="421" short_code="SK" value="178" >Slovakia</option><option isd_code="386" short_code="SI" value="179" >Slovenia</option>
1734<option isd_code="677" short_code="SB" value="180" >Solomon Islands</option><option isd_code="252" short_code="SO" value="181" >Somalia</option><option isd_code="27" short_code="ZA" value="182" >South Africa</option><option isd_code="82" short_code="KR" value="183" >South Korea</option><option isd_code="34" short_code="ES" value="184" >Spain</option><option isd_code="94" short_code="LK" value="185" >Sri Lanka</option><option isd_code="249" short_code="SD" value="186" >Sudan</option><option isd_code="597" short_code="SR" value="187" >Suriname</option><option isd_code="268" short_code="SZ" value="188" >Swaziland</option><option isd_code="46" short_code="SE" value="189" >Sweden</option><option isd_code="41" short_code="CH" value="190" >Switzerland</option><option isd_code="963" short_code="SY" value="191" >Syria</option><option isd_code="886" short_code="TW" value="192" >Taiwan</option><option isd_code="992" short_code="TJ" value="193" >Tajikistan</option><option isd_code="255" short_code="TZ" value="194" >Tanzania</option><option isd_code="66" short_code="TH" value="1" >Thailand</option><option isd_code="670" short_code="TL" value="195" >Timor-Leste</option><option isd_code="228" short_code="TG" value="196" >Togo</option><option isd_code="676" short_code="TO" value="197" >Tonga</option><option isd_code="1868" short_code="TT" value="198" >Trinidad and Tobago</option><option isd_code="216" short_code="TN" value="199" >Tunisia</option><option isd_code="90" short_code="TR" value="200" >Turkey</option><option isd_code="1649" short_code="TC" value="201" >Turkmenistan</option><option isd_code="688" short_code="TV" value="202" >Tuvalu</option><option isd_code="256" short_code="UG" value="203" >Uganda</option><option isd_code="380" short_code="UA" value="204" >Ukraine</option><option isd_code="971" short_code="AE" value="205" >United Arab Emirates</option><option isd_code="44" short_code="GB" value="206" >United Kingdom</option><option isd_code="1" short_code="US" value="207" >United States</option><option isd_code="598" short_code="UY" value="208" >Uruguay</option><option isd_code="1340" short_code="VI" value="209" >US Virgin Islands</option><option isd_code="998" short_code="UZ" value="210" >Uzbekistan</option><option isd_code="678" short_code="VU" value="211" >Vanuatu</option><option isd_code="39" short_code="VA" value="86" >Vatican City</option><option isd_code="58" short_code="VE" value="212" >Venezuela</option><option isd_code="84" short_code="VN" value="213" >Vietnam</option><option isd_code="212" short_code="EH" value="215" >Western Sahara</option><option isd_code="967" short_code="YE" value="214" >Yemen</option><option isd_code="260" short_code="ZM" value="216" >Zambia</option><option isd_code="263" short_code="ZW" value="217" >Zimbabwe</option>'; 1735 var isPhoneRequired=false; 1736 1737 1738 jQuery(document).ready(function(){ 1739 // Initialize your form elements 1740 $('body').on('click',"#contactussubmit",function(e){ 1741 e.preventDefault(); 1742 var formAction = $(this).closest('form').attr('action'); 1743 var formId = $(this).closest('form').attr('id'); 1744 var formMethod = $(this).closest('form').attr('method'); 1745 var _this = $(this); 1746 var formData = new FormData($("#"+formId)[0]); 1747 1748 // Clear previous errors 1749 $('.error-msg').html(''); 1750 _this.prop('disabled',true); 1751 1752 $.ajax({ 1753 url: formAction, 1754 type: "POST", 1755 data: formData, 1756 cache: false, 1757 contentType: false, 1758 processData: false, 1759 beforeSend:function(){ 1760 showHideLoader('showLoader'); 1761 }, 1762 success: function(response){ 1763 //$('#successMsg').show(); 1764 //$('#successText').text(response.message); 1765 _toastrMessage('success', response.message); 1766 $('#contactusform')[0].reset(); 1767 1768 /*setTimeout(function(){ 1769 window.location.href = ""; 1770 }, 2000);*/ 1771 1772 _this.prop('disabled',false); 1773 showHideLoader('hideLoader'); 1774 return false;
1775 }, 1776 error: function(xhr){ 1777 if(xhr.status === 422) { 1778 var errors = xhr.responseJSON.errors; 1779 var first_key = ''; 1780 $.each(errors, function(key, value){ 1781 $('[data-error="' + key + '"]').html(value[0]); 1782 if(first_key == ''){ 1783 first_key = key; 1784 } 1785 }); 1786 $('.error-msg').show(); 1787 $('html, body').animate({ 1788 scrollTop: $('[name="' + first_key + '"]').offset().top - 50 1789 }, 500); 1790 1791 } else { 1792 $('.error-msg').show(); 1793 $('#errorText').text('An error occurred. Please try again.'); 1794 } 1795 showHideLoader('hideLoader'); 1796 _this.prop('disabled',false); 1797 } 1798 }); 1799 }); 1800 }); 1801 1802 $(function(){ 1803 var telInput = document.querySelector("#phone"); 1804 window.intlTelInput(telInput, { 1805 nationalMode: false, 1806 separateDialCode: true, 1807 formatOnDisplay:true, 1808 hiddenInput: 'isd_code_val', 1809 preferredCountries: ["th"], 1810 // utilsScript: "https://cdnjs.cloudflare.com/ajax/libs/intl-tel-input/12.1.6/js/utils.js" 1811 }); 1812 1813 jQuery('body').on('click','.iti__country-list li', function(){ 1814 var countryCode = $(".iti__country[class*='iti__active']").attr("data-dial-code"); 1815 $("input[name='isd_code']").val(countryCode); 1816 }); 1817 1818 var countryCode = $(".isd_code").val(); 1819 $(".iti__selected-dial-code").text(countryCode); 1820 1821 //set min val in mobile number 1822 if(typeof MOBILE_NUM_LIMIT!="undefined"){ 1823 $('input[name="form_phone"]').attr('maxlength', MOBILE_NUM_LIMIT); 1824 }else{ 1825 $('input[name="form_phone"]').attr('maxlength', 10); 1826 } 1827 1828 telInput.addEventListener("countrychange", function() { 1829 cList.map(function(o){ 1830 console.log(o); 1831 return $(this).attr('short_code') == iti.getSelectedCountryData().iso2.toUpperCase(); 1832 }).prop('selected', true).trigger('change'); 1833 }); 1834 1835 $(document).on('blur', 'input[name="form_phone"]', function(){ 1836 if(isPhoneRequired==true) 1837 { 1838 var form_elm_data = new FormData($("#contactusform")[0]); 1839 $.ajax({ 1840 url : "https://www.deepfutureanalytics.com/en/validatePhoneNumberWithCountry", 1841 type : 'POST', 1842 data:form_elm_data, 1843 processData: false, 1844 contentType: false, 1845 success:function(result){ 1846 var response = jQuery.parseJSON(result); 1847 1848 //$(this).removeClass('error error-msg'); 1849 //$('data-error').text(''); 1850 $('[data-error="form_phone"]').text(''); 1851 1852 if(response.success==false){ 1853 $.each(response.message, function(key,val){ 1854 //$(this).addClass('error error-msg'); 1855 $('[data-error="form_phone"]').text(val); 1856 }); 1857 } 1858 }, 1859 }); 1860 } 1861 }); 1862 1863 $('#contactusform input, #contactusform textarea').on('focus', function() { 1864 $(this).attr('data-placeholder', $(this).attr('placeholder')); // store 1865 $(this).attr('placeholder', ''); // remove 1866 }).on('blur', function() { 1867 $(this).attr('placeholder', $(this).attr('data-placeholder')); // restore if needed 1868 }); 1869 1870 }); 1871 1872 1873</script>
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Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.