Fair Isaac has announced that it will "adjust its FICO scoring formula to ensure the continued reliability and predictive power of FICO scores. This action is intended to protect lenders and FICO scores from abuse of authorized user credit card accounts by a new kind of credit repair service that sells consumer credit card histories to credit applicants in order to purposefully misrepresent the applicants’ own credit history to lenders and other businesses."

Jim Bruene's out with a new edition of the Online Banking Report - this time covering the area of "Social Personal Finance". More info about this new report is available on Jim's Netbanker blog.

Last week, Facebook launched a new polling capability - allowing simple polls to be setup and conducted across its membership base. Mike Arrington covered the launch of Facebook Polls on his TechCrunch blog, calling it a "marketing research paradise." Last night, we gave Facebook Polls a trial run - setting up a poll that asked a sample of 200 18-25 year olds on Facebook whether they had ever used PayPal Mobile to send money to friends. This results aren't very scientific - but still interesting and fun. You can view the results of the poll here. This poll cost $25 to run - $5 to set it up and $0.10 per response for 200 responses.

The Economic Times in India explores mobile payments in that country - saying that "all major banks in India are now entering into tie-ups with companies, facilitating payments through the mobile phone."

EMC Corporation has announced that the acquisition of Verid, Inc., an information security firm that "delivers knowledge-based authentication solutions to millions of users worldwide, through some of the largest consumer-facing financial institutions, telecom providers and retailers."

To mark the 20th anniversary of the debit card in the UK this past weekend, APACS has published a report titled "20 Years of the Debit Card" (PDF) reflecting on its history. The report is subtitled "Charting the rise of our favourite way to pay." APACS predicts that by 2011 personal spending on debit cards in the UK will have overtaken cash.

• UMB Financial Corporation Chooses PULSE as Exclusive PIN Debit Network Provider
• INSIDE Contactless Essential NFC Patents Now Available from Via Licensing Corporation Program
• PayPal Mobile’s Text to Buy Gets Major Boost in Internet Retailing
• VSoft Corporation Announces Leadership in Credit Union Remote Deposit Capture
• GlobalCollect: Asian Bank Transfers Made Better with Virtual Account Numbers
• Inovium Introduces a Revolutionary, True 'Anytime, Anywhere' Mobile Payment System

We have received news of the following recent management changes:

• Troy Landers has been named Vice President, Client Operations, at Chockstone. Landers previously was with Corillian as Vice President, Hosted Services.
• Mitch Muroff has joined Edgar, Dunn & Company in its San Francisco office focusing on e-commerce payment risk management.