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Banking and fintech firms have been using artificial intelligence (AI) for the last few years to improve fraud detection on credit and debit cards, analyze patterns of defaulters, caution users from overspending and even help them determine their spendings. Some companies have now also begun using predictive analytics to enhance how credit and debit cards are being used in real time. For instance, Philadelphia-based fintech firm cred.ai, The card was licenced by payments network Visa and issued by Wilmington Savings Fund Society, FSB. The credit optimizer tool uses an AI algorithm to improve the user's debt-to-credit ratio, which accounts for up to 30% of a FICO score that evaluates a person's creditworthiness in the US.