Meet The 2026 FICO Decision Awards Winners!

2026 FICO Decision Award Winners - Decisions That Matter

The 2026 FICO® Decision Awards Winners are organizations that are delivering outstanding results using AI, advanced analytics, and decision management technology to grow businesses, manage risk, and reduce costs. I’m delighted to congratulate this year’s winners, whose achievements highlight what’s possible when innovation is paired with disciplined execution.

We're witnessing AI's broad adoption as business-critical infrastructure, with innovations such as specialized language models and autonomous systems fundamentally reshaping how decisions are made. This year’s entries demonstrated how organizations worldwide are combining technology and strategy to tackle increasingly complex challenges. 

In 2025, organizations accelerated digital initiatives to strengthen fraud prevention, customer management, and regulatory compliance. These winning projects used FICO Platform to tackle real-world problems—including Grab Finance expanding credit access to nearly 100 million underserved people across Southeast Asia, Santander Brazil preventing more than R$150 million in fraud, T-Mobile processing millions of credit applications each month, and Inditex, owner of Zara, automating garment distribution across more than 5,500 physical stores worldwide to ensure each location receives the full range of products needed to meet customer demand.

Now in their fourteenth year, the awards celebrate organizations whose innovative spirit is redefining decision-making in an increasingly complex world. Congratulations to all on these remarkable achievements.

2026 FICO Decision Awards Winners

2026 FICO Decision Award Winners

• AI, Machine Learning & Optimization – Erste Group & Inditex (tie)
• Cloud Deployment – Banco Santa Cruz
• Customer Onboarding & Management – T-Mobile & Banco Atlántida (tie)
• Debt Management – Absa
• Decision Management Innovation – Bradesco
• ESG Champion – AFRY
• Financial Inclusion – Grab Finance & NFCC
• Fraud Management – Santander Brazil & Barclays (tie)
• Pioneer Award – BNZ
• FICO Industry Vanguard - TSYS & Compeer Financial & SentiLink (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 2026 judges for their help in identifying the best nominations. You can read more about our judges in this blog post.

2026 Judges

• Sam Abadir, research director, risk & compliance, IDC Financial Insights
• Shrimanth Adla, senior director, credit risk strategy and analytics, Comcast
• Manoj Agrawal, group editor, Banking Frontiers
• Courtney Haan, strategic payments experience manager, Velera (Previous Winner)
• Shelly Kramer, principal analyst at Kramer & Company and theCube Research
• Andy Lawrie, credit risk tech lead at Nationwide Building Society (Previous Winner)
• Lisa Morgan, technology journalist and contributor at InformationWeek
• Déborah Oliveira, founder and editor-in-chief at IT Forum

The winners of the FICO Decision Awards will be spotlighted at and win tickets to FICO® World 2026, May 19-22, 2026, at the Signia By Hilton hotel, Orlando, Florida. Join us there to find out more about these remarkable success stories.