Credit Card Market

The UK credit card market in November 2025 shows resilience amidst evolving consumer habits and technological advancements. FICO’s report highlights a shift towards installment payments for larger purchases and increased adoption of digital wallets. Advanced AI is crucial for real-time fraud detection and risk management, while issuers focus on personalization and integrating flexible payment options to compete with BNPL services. Despite some early delinquencies due to inflation, data-driven strategies are key to maintaining portfolio health and market relevance.