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Featured White Paper

PDFTop Retailers Compete with True 1-to-1 Marketing
No. 32, March 2010
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Analytically derived offers—individually generated, timed and delivered across multiple channels—are driving double-digit gains

FICO is helping several major US retailers lead the industry into the new era of integrated multichannel 1-to-1 marketing. These retailers are the first to generate individualized offers from precise analytic recommendations that pinpoint not only which products customers are most likely to buy, but when they are most likely to make the purchase. Early results include 10 to 20 times higher redemption rates, among other benefits.

This white paper:

  • Examines case studies from top retailers gaining more value from their unique transactional data via advanced predictive analytics.
  • Explains the central role of optimization in balancing customer-level predictions with business objectives and constraints to pinpoint best offer.
  • Discusses how to accelerate time-to-ROI by using rules management to rapidly deploy and coordinate relevant offers across multiple channels.

More White Papers

PDFBoost Collections and Recovery Results With Analytics
No. 31, February 2010

As delinquencies continue to rise, predictive analytics focus collections and recovery efforts to maximize returns and minimize loss

PDFSeven Accelerators When Adopting Predictive Analytics
No. 30, February 2010

Best practices in putting analytics to work with business rules

PDFWhy Real-Time Risk Decisions Require Transaction Analytics
No. 29, January 2010

Reduce losses with sharper, faster risk prediction and action in customer management and collections

PDFHow Profitable Will Your Cards Be After the CARD Act?
No. 28, December 2009

Your most profitable accounts may be the most affected by CARD regulations—here are 5 things you can do about it

PDFFour Essentials for Enabling Pattern-Based Strategies
No. 27, December 2009

Predictive analytics and business rules top the list of enabling technologies for detecting and acting on leading indicators of change

PDFHow do economic changes impact consumer risk?
No. 26, November 2009

Lenders require new analytics to gauge how dynamic market conditions affect risk

PDFA Smarter Approach to Deposit Account Fraud
No. 25, September 2009

Channel-specific monitoring is no longer enough; banks must move to account-level detection

PDFRecession-Proof Your Business Rules with Decision Simulation
No. 24, September 2009

Put the right rules into production faster without costly mistakes

PDFReduce Exposure With Pre-Delinquent Treatments
No. 23, September 2009

The right action at the right time mitigates risk while protecting and even strengthening customer relationships

PDFHow Are Credit Line Decreases Impacting Consumer Credit Risk?
No. 22, August 2009

As lenders reduce or close credit lines to mitigate exposure, new research explores its impact on FICO® scores

PDFBest Practices in Green IT
No. 21, August 2009

With advanced technologies and sustainable practices, you no longer need to choose between profit and the planet

PDFBuild Your Action Plan for the Credit CARD Act
No. 20, July 2009

How the sweeping reform will impact you and what steps you should take now

PDFOpting In or Out: Protecting Revenue Under Overdraft Reform
No. 19, July 2009

Know the financial impact and be prepared to act

PDFFICO Score Trends in Today's Economic Uncertainty
No. 18, July 2009

New study explores changing risk dynamics and how lenders can respond

PDFThe 11 Secrets of Business Rules Success
No. 17, June 2009

How to balance speed and quality when building a rules-based approach to Decision Management

PDFA Recipe for Right-Sizing Credit Facilities
No. 16, May 2009

Use these 5 steps to avoid the pitfalls when reducing credit facilities

PDFMake Your Focus on Deposits Pay Off
No. 15, April 2009

It’s time to apply the same rigor to deposit accounts as you do to credit accounts.

PDFTake These 6 Steps BEFORE New Card Pricing Rules Hit
No. 14, February 2009

Acting before proposed credit card pricing regulations take effect can help you comply and compete.

PDFDecide to Survive
No. 13, February 2009

Four imperatives make Decision Management essential in today’s uncertain environment.

PDFA new highly predictive FICO score for an uncertain world
No. 12, February 2009

Lenders gain a 5%-15% predictive boost to manage business and control losses.

PDFBetter Collections Performance in a Time of Crisis
No. 11, December 2008

Collectors are deploying collections scoring to realize a rapid return-on-investment in a time of intense pressure.

PDFA Five-Step Approach to Stress Testing Your Portfolio
No. 10, December 2008

With the continuing financial markets tumult, now is the time to make sure your portfolio can withstand economic pressures.

PDFWhat's the payback on Connected Decisions?
No. 09, November 2008

Sharing data, analytics and intelligence across the customer lifecycle can produce better decisions and a sustainable competitive advantage.

PDFScoring Your Customers: How often is enough?
No. 08, October 2008

New FICO research shows how consumers' FICO® scores are changing, and what it means for refreshing scores

PDFHow Can Fraud Models Combat New Tricks?
No. 07, September 2008

A "bolt-on" adaptive model layer, which self-learns new fraud patterns, boosts detection by nearly 50% in recent test.

PDFPutting a Wide-Angle Lens on Fraud
No. 06, July 2008

Analyzing merchants and ATMs boosts fraud detection - but will it slow down processing?

PDFManaging Risk in the Credit Crunch
No. 05, June 2008

Read the FICO Insights paper, "Managing Risk in the Credit Crunch"

PDFOptimizing Trade-Offs for Strategic Portfolio Management
No. 04, June 2008

Read the FICO Insights paper, "Optimizing Trade-Offs for Strategic Portfolio Management"

PDFAre Today's Market Pressures Reshaping Credit Risk?
No. 03, May 2008

A new study explores FICO score trends in dynamic times and how lenders can respond

PDFAre You Paying Too Much for Clicks?
No. 02, April 2008

Read the FICO Insights paper, "Closing the Value-Price Gap in PPC Advertising"

PDFInsights Credit Capacity Index white paper
No. 01, February 2008

How much credit can a consumer handle? Will your new loan be the one that pushes a "good" borrower over the edge?