Digital Transformation Success Stories: FICO Platform Users Speak Out
Innovation and agility are at the heart of digital transformation, as these case studies from senior leaders demonstrate

While digital transformation is a top priority for every bank and insurance company, there is no predetermined path that leads to success: every organization’s digital transformation journey is unique to their own particular circumstances, starting point, and digital destination.
Signs of progress in a successful digital transformation are wholly determined by the organizational goals and milestones companies set for themselves, as well as the KPIs they establish. Each company has a different path and prioritizes different benefits, such as speed to deployment, greater agility, reduction in development costs, and actual vs. projected financials.
All of these, and many other benefits, are possible with FICO Platform, as demonstrated during main stage customer presentations at FICO World 2023. Here FICO clients from around the world shared how FICO Platform allowed them to embrace new technologies, become more agile and fully embrace transformation.
Banco Bradesco
The third-largest bank in Latin America increased automatic price decisions 188%, and spreads by 11%. By the end of this year, more than 60% of their revenue pool will be decided by FICO Platform and Bradesco’s Brain digital transformation program. Natalia Izique, Head of Digital Transformation for Banco Bradesco, told the audience, “Bradesco Brain aims to achieve the best customer experience, and so far we have delivered around 180 new, deeply personalized customer journeys. The results are higher credit quality, customer satisfaction, revenue growth and data latency improvement.”
Erste Group
This financial services group serves 16.1 million clients in seven countries across Europe, and its new optimization projects at Slovenska sporiteľňa that are achieving a 20% profit uplift. Erste Group has consistently put optimization at the heart of their digital transformation. Peter Kapoun, Risk Management Advisor for Erste Group, shared that, "We are now finishing our deposit pricing optimization, which is a real revolution — setting up products for consumers with customized pricing on interest rates for both savings accounts and term deposits. I have been involved in 14 optimization projects and I still feel we are at the beginning of what can be done, and that the most interesting work is ahead of us."
Ally Financial
One of America’s largest car finance companies – it provides auto financing for 4.5 million customers and originates 1.4 million car loans per year – uses FICO Platform to adapt decision strategies quicker, put them out in a more controlled, automated fashion, and provide satisfactory solutions to its customers. Burke George, Regional Executive Director for Ally Bank, said, "We've continued to leverage the alternative decisions in FICO Platform, and refine those through a tougher economic cycle. We’re always looking for ways to make sure that we're providing something that works for the consumer, and FICO's been a critical part of that."
Nationwide Building Society
The second largest provider of household savings and mortgages in the UK is using FICO Platform to cost-efficiently streamline customer journeys, reduce fallout and increase sales. Andy Lawrie, Tech Lead-Credit Risk, for Nationwide Building Society, offered that, "We got an excellent outcome because the business manages the full delivery lifecycle, from requirements to the build work to all of the testing and bringing it into production as well. From an IT perspective, that means we can focus on newer capabilities, integration to new data providers and delivering faster and more, more often."
Each of these leaders and organizations approached their transformation from differing perspectives and starting points, and their means for measuring progress is unique to their circumstances. But they all see their use of FICO Platform as a driver of innovation and a competitive advantage that is making them more agile.
FICO Platform enables you to solve challenges across the entire customer lifecycle with an open architecture and an integrated set of capabilities to deliver game-changing customer experiences with real-time decisions, at scale. It brings together data, analytics, machine learning & AI and human expertise with new technologies that advance your organizational success. Whatever your starting point or your goal, FICO Platform can be the foundation of your successful digital transformation.
Please join us at FICO World 24, April 15-18 in San Diego, to hear more from industry leaders as they tell their success stories and share best practices.
Learn How FICO Platform Can Power Your Successful Digital Transformation
- Explore innovation with FICO Platform
- See customers discuss their use of FICO Platform
- Read the article from The Journal of Digital Banking, “How Financial Services Leaders Are Using Enterprise Intelligence to Optimize Efficiency Ratios”
- Watch FICO Platform in action with the story of your everyday consumer, Digital Jane
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