In the context of today's stressed economy and markets, the phrase "return on investment" takes on new significance. Financial institutions look to FICO not only for industry-leading products and best practices, but for scientific ways of deciding where to focus every resource, action and minute for higher returns. We work with thousands of banks, card issuers, retail credit issuers, auto lenders, mortgage lenders, credit unions and other credit grantors worldwide, including 90 of the 100 largest financial institutions in the United States; two-thirds of the largest 100 banks in the world and the 100 largest U.S. credit card issuers.

Originations

FICO® Capstone® Decision Accelerator

A strategy design solution for origination, this browser-based, XML-enabled software can operate independently or as an integrated callable service to Capstone Decision Manager.

Account and Customer Management

FICO® TRIAD® adaptive control system

The leading account and customer management solution, with advanced analytics and unmatched strategy consulting and tools.

FICO® Score View™ Service

A new source of fee-based income based on your current month-end score appends, and a good reason for your customers to move to online banking.

FICO® Transaction Scores

Transactional scoring based on authorizations data for use in conjunction with traditional behavior scores to improve separation and identify risky behavior sooner.

Collections and Recovery

FICO® Debt Manager™ solution

The FICO Debt Manager solution increases the capacity and performance of collection and recovery operations by intelligently automating processes across the entire distressed debt cycle.

Recovery Management System™ solution

FICO's Recovery Management System™ is the leading solution for companies looking to augment existing collection solutions.

More Collections and Recovery Solutions

• FICO® Collection Scores
• FICO® Custom Collection Models
• PlacementsPlus® service
• ScoreNet® Network Services

Featured Success Story
The National Bank of Australia transforms collections to prepare for a changing economy

Fraud Management

FICO™Falcon® Fraud Manager

The most accurate and comprehensive systems for detecting payment card fraud, used by 17 of the 20 credit card issuers worldwide.

Fraud Predictor with Merchant Profiles

A companion product that increases Falcon Fraud Manager detection performance by up to 50% by extending FICO's patented dynamic profiling to merchant behavior patterns.

FICO™ Card Alert Service

A service that combines analytics to detect large outbreaks of counterfeit card fraud combined with risk management to prevent the majority of losses.

Featured Success Story
Banamex / Citigroup dramatically decreases fraud losses, false positives

Deposit Account Risk and Fraud Solutions

FICO combines risk and fraud into unified strategies to provide best-in-class customer experience and deposit account management

 Learn more about FICO Deposit Risk and Fraud Solutions

Marketing

FICO® Precision Marketing Manager

A multi-channel direct marketing platform that improves sales and reduces costs by using analytics to predict customer potential, and advanced channel and campaign management to automate, refine and coordinate interactions with high-potential prospects.

Scoring

FICO® scores

The most widely used broad-based credit bureau risk scores, playing a critical role in billions of decisions each year.

FICO® Expansion Score

A credit risk score for consumers without traditional FICO® scores, that analyzes data from alternative sources for insight into financial behavior.

FICO® Credit Capacity Index™

Analytics that help you grow your business safely by identifying which customers and prospects can handle additional credit.

Featured Success Story
Lenders across industries validate FICO® Expansion® score’s power

Custom Analytic Products and Services

FICO™ Predictive Analytics

Custom modeling services for predicting risk and other dimensions of customer behavior.

FICO® Custom Decision Optimization

Advanced custom analytic services for developing analytically derived decision strategies that balance your objectives and constraints.

FICO™ Basel II Analytic Services

Expert assistance for banks at all stages of Internal Rating Based (IRB) compliance—from starting out to building unique competitive advantage on top of industry standard risk metrics.

Featured Success Story
UK bank uncovers profit niches with optimized pricing

Decision Management Tools

FICO® Blaze Advisor® system

The industry's leading business rules management system (BRMS) enables business users to build, modify and test rules-driven decisioning processes.

FICO™ Model Builder

The software tool our modeling teams use to deliver custom predictive models, Model Builder is a complete development environment spanning the entire predictive modeling lifecycle.

FICO™ Decision Optimizer

The software tool our modeling teams use to deliver custom optimization solutions. Handles complex large-scale optimizations involving dozens of networked action-effect models.

FICO™ Xpress Optimization Suite

The world's foremost modeling/programming language for optimization, with a complete development environment and full range of powerful solvers.