Every located instance of FICO's 'majority of world card transactions' figure traces back to FICO's own self-reported statistics, with no independent audit found

ficofalconfraud-detectionsourcingverificationsingle-source-concentrationargument-from-silence

Every occurrence of the "majority"/"two-thirds" transaction-share statistic located across this research — Fair Isaac's FY2008 Form 10-K (claim-fico-2008-10k-states-falcon-used-in-65-percent-of-credit-card-transactions), a 2021 FICO press release (claim-fico-two-thirds-figure-denominator-drifts-across-restatements), the Machine Learning Times / Predictive Analytics World item already in the vault (claim-hnc-falcon-fraud-manager-became-fico-infrastructure) — which a 2026-08-08 fetch of that URL identifies as a November 8, 2024 republication of Eric Siegel's March 21, 2024 European Business Review piece, itself excerpted from his The AI Playbook (MIT Press, February 2024), so what this note originally counted as two secondary occurrences is one text by one author at two venues — and current-era FICO marketing copy: all of it resolves, when traced upstream, to Fair Isaac/FICO's own disclosures about its own product. No independently audited market-share study, competitor teardown, or regulator's figure corroborating the transaction share was found this session. The outlets repeating the figure are re-quoting FICO, not measuring FICO: a single-source-concentration situation in substance, even where the wording has been repeated by many secondary venues over nearly two decades. The repetition is narrower than a venue count suggests — one of the two apparently independent secondary occurrences turns out to be the other one republished, and Siegel's own wording — "That's two-thirds of the world's cards," carried as [unverified-quote — needs direct read], located through a page-rendering fetch rather than a read of the book — is a third denominator again: cards, not accounts and not transactions.

This is an argument from absence and is recorded as such — this session did not read every FICO annual report between 2008 and the present, nor every market-research or competitor analysis of the card-fraud-detection industry that might exist. What can be said is that no such corroboration surfaced across a genuine multi-document search this session, which is evidence the figure is not prominently independently audited, not proof that no audit exists anywhere.