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Learn how BMW sped up its customer communications
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Customer data is more widely available than ever, but leveraging data to drive smarter decisions requires new thinking and a new kind of agility. Cloud-based decision management – the seamless marriage of data-driven insights and codified decision logic with applications that reach your customers where and when they want – is the key to operationalizing analytics to automate and optimize customer engagements. The FICO Analytic Cloud is where this journey begins…Learn about FICO Products and Solutions whenever is convenient for you.
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Home / Latest Thinking / White Papers / Smarter Small Business Lending Decisions with Analytics and Scoring
Smarter Small Business Lending Decisions with Analytics and Scoring
Credit scoring provides a single number representing the likelihood an applicant will become seriously delinquent. Having this single number improves origination efficiency since you can rank-order applicants by risk level and set cutoffs to take certain actions when scores fall above or below them. A small business scorecard predicts the creditworthiness of the business in the same way a consumer scorecard predicts it for the business principal. Having this additional meaningful number—from analysis of both business and consumer data— sharpens separation of good and bad credit risk. Scores also improve decision fairness—and make it easy to prove.
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