Trying to build an emergency fund while paying off debt can feel like an impossible balancing act. Every dollar you save feels like a dollar you could have used to reduce debt. Every dollar you send toward debt feels risky when one unexpected expense could send you right back into financial stress. In fact, financial vulnerability remains widespread. According to the Federal Reserve's 2024 Survey of Household Economics and Decisionmaking, only 63%  of U.S. adults said they co

In the US, financial strain has become less about sudden income loss and more about prolonged misalignment. Federal Reserve  data across non-card obligations and business receivables shows that repayment stress continued through 2024, even among individuals and businesses that remained operational and employed. At the end of 2023, 30-day auto loan delinquency rates were already about 60 basis points  above pre-pandemic levels, signaling persistent repayment pressure even as l

Credit decisions today carry more risk than ever. Economic uncertainty, changing borrower behavior, and growing data complexity make it harder for traditional credit systems to keep up.  Relying solely on historical credit scores and fixed models often leaves lenders exposed to unexpected defaults or missed opportunities. Credit system intelligence uses AI, machine learning, and advanced analytics to transform raw financial data into actionable insights. Instead of static eva