FICO® Transaction Scores
Fair Isaac Transaction Scores
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FICO® Transaction Scores

FICO Transaction Scores identify high-risk customer behavior faster and more accurately by scoring authorization transaction data. These scores improve the risk management performance for businesses using FICO's TRIAD® adaptive control system.
Key Benefits
  • Spot increasing risk sooner and more accurately
    Authorizations data raises predictive power when used in conjunction with your cycle-based behavior scores. It separates customers with the same behavior score by revealing different levels of risk in day-to-day behavior patterns not evident in activity summaries. It provides fresh analytic insights with every transaction to sharpen your intra-cycle decisioning.
  • Reduce losses while improving revenue
    With FICO Transaction Scores, you can finely segment your portfolio to avoid overly conservative decisions while tightly controlling risk exposure. You can also use these fresh analytic insights for better intra-cycle decisions, which can be especially important with new accounts.
  • Comply with risk regulations 
    FICO Transaction Scores improve separation within portfolio segments and can be used to produce more homogenous risk pools for Basel II compliance.
Feature Highlights
  • Rank-order account risk based on transaction data 
    FICO Transaction Scores provide an additional prediction of future account risk by analyzing customer behavior from the actual data generated by every card transaction. Modeling this abundant data, which captures rich detail about customer habits and lifestyle, provides significant incremental predictive lift in assessing consumer risk.
  • Based on FICO's powerful transaction scoring engine 
    FICO Transaction Scores are built using the transaction scoring engine that is part of our FICO™ Falcon® Fraud Manager, the leading system for detecting card fraud worldwide. The transaction scoring engine is key to processing voluminous transaction data for near real-time scoring. No other solution gives you so much predictive power from your transaction data.
  • Used as decision keys for account management or collections
    Transaction scores can be used as decision keys for FICO® TRIAD® Customer Manager. They can also be used outside of account management-in collections, for example, with FICO™ Debt Manager™ solution, where they further separate delinquent accounts, enabling resources to be focused where risk of bad debt is highest.

Speak with a FICO representative about our solutions and your business needs by calling us:

US (toll free): +1 888 342 6336
International: +44 (0) 207 940 8718

Or email us using the form on this page. We look forward to speaking with you.
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