The banking industry has experienced many changes since the Great Recession. Despite these changes, however, many things have remained the same. For example, interest rates have barely moved, credit card payments are frequently delinquent, and lending institutions are not optimizing auto loans and other loan offers.

For banks to increase the precision and timeliness of mortgage or deposit pricing, efficiently collect debt in a compliant manner, and to make the most effective loan offer, banks can use prescriptive analytics.

Matt Stanley, Global Segment Leader for Custom Analytics and Applied Optimization at FICO
Nitin Gupta, Global Head for Financial Services Partners at Amazon Web Services


Some debt collection organizations are using scores or other predictive analytics to harness insights from their debtors’ behavior and improve collection performance. But the true potential of analytics remains untapped for most organizations. In this webinar, we discuss strategies to significantly increase the return-on-investment that you can get from your analytic investments.

For Industries: 

Due to the advances in technology, the expectations of the retail bank customer has forever changed. Banks and credit unions must transform how they engage with the customer during the entire financial services lifecycle or risk being left behind. In order to succeed, financial institutions need to prioritize the technology investments, data science projects, and business process improvements that will positively impact near-term customer decisions while giving them the agility to adapt to long-term market, regulatory, and competitive changes.

During this webinar, attendees will:  

  • Discover the key drivers impacting today’s retail banking strategies 
  • Learn about the omni-engagement maturity model
  • Receive a framework for prioritizing future technology, data science, and process improvement projects

Marc DeCastro, Research Director, IDC Financial Insights
Tom Johnson, Senior Partner, FICO

For Industries: 

Overdrafts are a core component of fee revenue from deposit accounts as well as the primary area of credit risk management within deposits. Many financial institutions set deposit overdraft limits at the product or segment level, thereby applying the same treatment to broad segments of their customer base. This limited sophistication can have a sizeable impact on customer satisfaction, revenue and charge-offs. In this webinar, we discuss ways to use advanced analytics and optimization to determine overdraft limits for deposit accounts based on account conditions, customer-level data, bureau data and other alternative data sources.


Catastrophic natural disasters such as Harvey highlight an opportunity to understand our customers’ needs during a time of crisis. For portfolios with exposure to individuals in the impacted regions, being able to respond quickly regarding your customer’s credit needs, cash needs, and the challenges these calamities present can dramatically impact your profitability. Your ability to intervene to assist these customers in filling the gaps the disaster has created will dramatically impact an institutions’ brand and customer perception. 

In this discussion, we will highlight: 

  • Managing responses to the Intangibles
  • Quantitatively and Qualitatively measuring the impact to the institution 
  • Understanding the impacts to your customer
  • Defining your actions in that context

In this interactive session, join FICO experts and fellow risk and portfolio managers as we discuss specific challenges, potential responses, what some groups already do and other specific areas that need to be considered to respond to a disaster in the age of digital communication. 

Darryl Knopp, Senior Director, Fair Isaac Advisors


Digital disruption is the re-invention of products, processes, technologies and how people work. Advanced Analytics, Machine Learning, Artificial Intelligence and Digitization of Data are all being applied as solutions to this transformation with many organizations making significant investments in these technologies, but with no clear path to seeing an ROI.

Listen to this webinar, and learn more about: 

  • Organizations that are investing in prescriptive analytics and decision management capabilities and are seeing real results, companywide. 
  • The unexpected insights generated from decision management that leading organizations are using as game changers
  • How a decision management mindset can transform organizations that are investing in advanced analytics to deliver real business impact

Benjamin Baer, Senior Director, Product Management, FICO
Todd Rollin, Director, Decision Management Solutions, FICO

For Industries: 

When car dealerships have interested customers who are ready to purchase vehicles, nothing is more frustrating than struggling to structure the right deals—ones that maximize profitability, fit the risk parameters of the lender and satisfy buyers. Lenders can spend a significant amount of time manually reviewing and restructuring each deal before customers sign on the dotted line. But manual deal restructuring is inefficient and leads to inconsistent origination strategies, credit and regulatory risk exposure and deals lost to the competition. In this webinar, we demonstrate how to use predictive analytics and optimization to generate Alternative Deal Structures.


Behind every business transformation effort today are advanced analytics that deliver compelling business solutions. However, deploying these capabilities is no simple task. Consider long development cycles, limited resources, the need to maintain legacy systems, meeting project requirements, and other factors – and it's no wonder many of these initiatives are abandoned before go-live, or fail soon after. The good news is that advances in cloud-based analytic technologies provide IT an opportunity to play a leading role in delivering these powerful capabilities to business users across the enterprise. 

Join this webinar to learn how:

  • A unique "deploy while you build" approach brings together all key stakeholders in the application development cycle, driving acceptance and fast ROI
  • Microservice-powered application development facilitates component reuse and easy updates without coding
  • The role of IT can evolve from delivering and supporting projects to helping transform the organization's use of data and AI-powered analytics

Presenter: Sean Baseman, Global Solution Architect, FICO


Traditional lenders have the advantage of personal, long term customer relationships, but when does speed and efficiency overwhelm pricing terms and conditions?  Some lenders may lack the ability to adequately assess risk aligned to policy rules in order to expedite lending decisions.  With stronger competition and alternative lenders’ disruptive potential, traditional lenders are taking a closer look at automation, scalability and performance.  One thing is for sure, financial institutions that achieve high touch through high tech are going to make faster and smarter small business lending decisions with less risk and longer term profits.

In this webinar, David O’Connell, Senior Analyst at Aite Group, will discuss webinar profiles of the typical credit-seeking SMB based on an Aite Group survey of 601 U.S. SMBs in August 2016. Learn why SMBs borrow, when they borrow, where they seek credit, and how they feel about credit providers’ processes to help lenders and vendors compete in this thriving SMB Credit Market. 

Additionally, David K. Smith, small business lending subject matter expert at FICO, discusses the trends and technology implications. David will delve into venue and borrowing preferences, how SMBs like to do business,  and expectations of lenders and how it fits into the community banking market, who is driving change and what technology will help drive the next wave of SMB lending.

About the Speakers:
David O’Connell is a senior analyst with Aite Group’s Wholesale Banking team, where his primary coverage area is lending.

Broadly scoped, Mr. O’Connell’s coverage of lending encompasses the small-and-midsize-business market, commercial and industrial markets, automation’s benefits for scaling lending operations, fraud deterrence in lending, the application of business intelligence to lending, and Dodd-Frank Act stress-testing requirements.

David Smith is Lead Consultant, Applications Line of Business at FICO.  David has over fifteen years with FICO focusing on originations in the financial industry. His expertise in small business lending allows him to be a trusted advisor to the Small Business Administration and many other financial institutions in the US and Canada.

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