Wintrust, based in the Chicago suburb of Rosemont, is riding a banking technology

trend for 2015. They have released a mobile cash access service. To make the
cardless-cash transactions possible on existing ATMs, the Wintrust machines are
being outfitted with software from FIS, a technology provider. FIS said Wintrust is
the first of its 1,600 mobile-banking clients to roll out cardless cash on a widespread
basis. (Becky 2015)
Source:
Becky Yerak, (2015). Bank uses phone app to replace ATM cards. Chicago Tribune.

The FICO score assesses risk based on the information on the credit report. An
important factor is the category Amounts Owed, which accounts for roughly 30
percent of a typical person's FICO score.
Information about the credit limit falls into this category. However FICO score does
not consider the credit limit by itself. Instead, the FICO score considers credit limit
when determining "credit utilization rate." Utilization means the amount of available
credit that is being used at the time of calculation of FICO score.
Credit utilization rate is calculated by dividing an account's outstanding balance by
its credit limit.