Meet The 2025 FICO Decision Awards Winners!

2025 FICO Decision Award Winners - Decisions That Matter

It’s a privilege to announce the outstanding winners of the 2025 FICO® Decision Awards!

This year’s entries spotlighted remarkable advances in technology and strategy, revealing how organizations around the world are meeting complex challenges with creativity and grit. Our 15 winners across 10 award categories are setting new standards in digital transformation and data-driven decision-making.

In 2024, organizations ramped up digital initiatives, strengthening fraud prevention, customer management, and compliance efforts. These winning projects used FICO Platform to tackle real-world problems—from providing over R$1 billion in digital agribusiness credit to small farmers in Brazil, allowing them to grow sustainably from their fields, to transforming Nationwide’s credit risk systems in the UK, enabling faster, real-time credit decisions across key banking products. The entries showcased the transformative power of decision management to expand financial access in underserved regions and streamline operations, creating faster, more personalized customer experiences.

Now in their thirteenth year, these awards recognize the innovative spirit of our winners, who have redefined decision-making in an increasingly complex world. Congratulations to all for their remarkable achievements!
 

2025 FICO Decision Award Winners

• AI, Machine Learning & Optimization – Santander Consumer USA
• Cloud Deployment - Lloyds Banking Group & Nationwide (tie)
• Customer Onboarding & Management – UnionBank & Octane (tie)
• Debt Management – Telstra
• Decision Management Innovation – Scotiabank Peru
• ESG Champion – E-agro
• Financial Inclusion – PicPay
• Fraud Management –  Velera & Yapi Kredi (tie)
• Pioneer Award – Woolworths Financial Services
• FICO Industry Vanguard - iA Financial Group & Santander Brazil & Bradesco (tie)

Stay tuned for the unveiling of the award-winning strategies employed by these companies in the coming months if you're keen on learning from the best. These narratives will showcase the remarkable outcomes achieved through a well-defined business objective, innovative use of technology, and a robust partnership.

The winners were selected by our panel of eight independent judges with deep industry expertise. Again, we would like to thank the 2024 judges for their help in identifying the best nominations. You can read more about our judges in this blog post.

2025 Judges

• Regan Goble, risk analytics senior manager at Westpac NZ (Previous Winner)
• Megha Kumar, research vice president at IDC
• Joe McKendrick, analyst and senior contributor at Forbes
• Luiz Pacete, technology and marketing industry influencer
• Ali Paterson, founder and editor-in-chief at Fintech Finance
• Mike Roberts, head of unsecured retail risk at HSBC UK bank (Previous Winner)
• Erin Stillwell, head of strategic partnerships and engagements at TSYS (Previous Winner)
• Allan Tan, group editor-in-chief at Cxociety

The winners of the FICO Decision Awards will be spotlighted at and win tickets to FICO® World 2025, May 6-9, 2025, at the Diplomat Hotel in Hollywood, Florida. Join us there to find out more about these remarkable success stories.