For Industries: 
Banking
Overview

Auto lending is facing a time of transformation. Many lenders struggle to gain a competitive edge—they need to quickly grow their portfolio and improve the customer experience, and at the same time balance risk and control operating expenses. Market disruptors are moving quickly, leveraging technology to provide polished and high-value customer experiences to lure business away from more traditional lenders. Given these market dynamics, the stakes have never been higher for lenders to embrace modernization.

For Industries: 
Utilities & Energy
Overview

Ever wonder how three energy and utility innovators are transforming their operations?

Energy and utility companies have turned to the next generation of decision management tools and open technologies to “turn on the lights” in their businesses – whether it’s slashing time-to-market for new services, or reducing the carbon footprint.
 
This collection of three case studies highlights how three very different organizations – Shell, SolarCity and WindFarm Designs – are using these advanced capabilities to discover new insights across their lines of business, and increase customer-centricity, efficiency and bottom line results. Download our document and learn how:

  • Shell’s ability to solve the most complex problems in their business is helping them build the process control platform of the future.
  • SolarCity is continually uncovering deeper insights into challenges such as battery charge/discharge optimization and excess energy deployment.
  • WindFarm Designs expects to reduce CO2 emissions by 20–50 million metric tons globally every year, while reducing time to develop layouts by 90% by completely automating manual processes.
For Industries: 
Banking
Overview

Client: African Bank

Challenge: Overhaul its decision system across the credit lifecycle to add transparency and collaboration, as well as operational efficiency and profitability.

Solution: FICO® Blaze Advisor® decision rules management system, Decision Implementation Accelerator

Results: After a rapid strategy and implementation cycle, African Bank was able to transform its decision system to launch strategies 30% faster and at 25% lower cost. The new system can be applied across the entire credit lifecycle and the team can now make changes in two days instead of two months, with full confidence in its security features.

For Industries: 
Banking
Overview

Client: Home Credit Group, an international consumer finance provider with operations in 11 countries

Challenge: Develop a more agile approach to decision-making to enable radical but sustainable growth.

Solution: FICO® Decision Management Suite

Results: In addition to improved operational performance, reduced costs and increased profits, Home Credit Group has created a centralized decision engine that accelerates its ability to branch out into high growth markets quickly in order to massively diversify its scope of business.

Overview

Debt management has become more complex in recent years. Organizations across industries—financial services, utilities and even government agencies—struggle with balancing the need to reduce costs while improving collection results. Many organizations are finding success through modernization. Leveraging systems that support data-driven decisions, integrate a holistic customer view and allow for more sophisticated communication strategies, these organizations are able to move beyond the resource drain of manual treatments and reactive tactics. And are seeing improved results at reduced cost—along with higher customer satisfaction.

For Industries: 
Insurance
Overview

Client: Vhi Insurance, largest health insurer in Ireland

Challenge: With the proliferation of products in the Irish health insurance market, Vhi needed a flexible and agile claims system to automate claims adjudication and processing, and enable business owners to develop the logic and adjust the system as needed.

Solution: FICO® Blaze Advisor® decision rules management system

Results: By using Blaze Advisor to manage claims decisions across the enterprise, Vhi has automated claims processing, reduced fraud and significantly increased operational efficiency.

For Industries: 
Technology, Utilities & Energy
Overview

Client: Markedslabben, developers of WindFarmDesigns, an algorithm designed to optimize wind farm layouts

Challenge: Solve the decades-long problem of optimizing the layout of turbine placement within a wind farm in order to maximize energy yield while respecting turbine load constraints.

Solution: FICO® Xpress Optimization

Results: WindFarmDesigns will improve energy yield, increase profitability for wind farms and reduce CO2 emissions.

For Industries: 
Retail, Manufacturing
Overview

As a subsidiary of the world’s largest food company, Nestlé USA is laser-focused on doing more with fewer resources and adopting highly efficient technologies and processes, including machine learning and prescriptive analytics. With 64 brands consisting of numerous products in each brand, maximizing payload and minimizing transportation costs is an extremely complex problem – particularly when you factor in demand forecasts and current supply levels.

Nestlé USA turned to FICO® Xpress Optimization Suite, a key offering within FICO® Decision Management Suite, to calculate the very best shipment combinations from millions of possibilities – leading to significant transportation cost savings over the past seven years. They’ve also used Xpress to optimize redeployment of inventory from one distribution center to another – and even have developed an application to help their largest customers manage payloads.

Download Nestlé USA’s story now, and learn more about how Xpress is helping them change their entire supply chain paradigm.

For Industries: 
Capital Markets, Banking
Overview

For Savings Bank Münden, compliance has always been more than simple adherence to laws and guidelines. Compliance is seen as a chance aiming at enhanced transparency and process efficiency to cope with the increasing regulation demand. A detailed risk analysis lays the foundations of successful compliance and is crucial to implementing the risk-based approach.

Hence, it was only logical that Savings Bank Münden introduced Siron®RAS for money-laundering prevention as early as 2009. The software module was to determine the bank‘s specific risk structure systematically and minimize or eliminate both weak spots and risk potentials. Two employees of FICO TONBELLER accompanied the introduction and implementation of the system for 5 days.

For Industries: 
Capital Markets, Banking
Overview

Germany’s savings banks are region-based banks offering a broad range of financial and investment services to private and business clients. Though they do business under a common trademark, each savings bank is unique. As a regional bank of supra-regional importance, Kreissparkasse Esslingen-Nürtingen serves the entire district, a diverse area with 514,000 inhabitants, 44 towns and communities, and some 28,000 businesses. With a balance-sheet total of 8.5 billion Euro (2009) and 107 branches covering this huge catchment area, Kreissparkasse Esslingen-Nürtingen counts among Germany‘s largest regional banks.

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