FICO Marketplace Brings You New Ways to Stop Fraud and Manage Risk

Key Takeaways

• FICO Marketplace has grown to nearly 70 partner offerings. The ecosystem's rapid expansion gives you governed, composable access to partner intelligence across fraud, identity, credit, and SMB decisioning, without bespoke integrations or long deployment cycles.
• New partners close the gap between fraud detection and identity verification. Fortiro, Alogram, and Mitek let you catch AI-generated document fraud, get audit-ready fraud evidence, and embed high-assurance identity checks directly into your existing decisioning workflows.
• New tools for risk management are available. Pindrop Protect scores voice-channel risk in near real time, and Pipl's Elephant Trust checks new accounts against a five-billion-profile identity graph, both delivered through FICO's consolidated APIs.
• Verdata and Credolab extend confident decisioning to harder-to-score segments. You can evaluate SMBs using more than 25 million business records and score thin-file consumers using behavioral metadata that's orthogonal to bureau data.
• All of these capabilities connect directly to FICO Platform, with no new point-to-point integrations required. You can trial and refine partner intelligence within your existing decisioning runtime and governance processes.

When we introduced FICO^® Marketplace, the core idea was straightforward: a decisioning platform is only as powerful as the intelligence feeding it. The best AI models in the world underperform when they're working from incomplete or poorly integrated data. FICO Marketplace was built to close that gap — giving FICO^® Platform customers governed, composable access to partner-delivered intelligence without the friction of bespoke integrations and long deployment cycles.

The momentum we've seen from partners wanting to join that ecosystem has exceeded our expectations. There are now nearly 70 products and services available on FICO Marketplace, including solutions from leading providers such as SentiLink, Prove and LexisNexis, and we are rapidly signing up new partners. Together, these capabilities dramatically expand the scope of what organizations can accomplish on FICO Platform — from catching AI-generated document fraud at origination to extending credit confidently to applicants who simply don't show up in bureau data.

Here are some of the new offerings on FICO Marketplace, spanning fraud and risk domains.

Fortiro: Stopping Document Fraud Before It Enters the Workflow

Generative AI has fundamentally changed the economics of document fraud. Creating a convincing fake used to require skill, effort, and risk; today it takes a few prompts. The volume and quality of fraudulent documents hitting financial institutions, insurers, and fintechs has increased sharply as a result, and traditional verification approaches are struggling to keep pace.

Fortiro Protect addresses this directly by combining proprietary forensic analysis, machine learning, and AI-powered detection to identify manipulated, altered, and AI-generated documents in seconds. The platform applies forensic scrutiny to document structure, content, and image properties, providing configurable risk scoring and integrating into decisioning workflows so teams can act on fraud signals before they influence approvals, credit limits, or risk assessments. Its detection capabilities adapt continuously as fraud techniques evolve.

Sean Quagliani, CEO of Fortiro: "Fortiro Protect helps organizations separate genuine documents from fraudulent ones at scale, enabling faster decisions, stronger fraud controls and greater confidence in the information used to assess customers. Through FICO Marketplace, organizations can rapidly deploy these capabilities within existing decisioning ecosystems."

Alogram: Explainable, Audit-Ready Fraud Intelligence

Fraud teams are under pressure not just to detect suspicious activity, but to explain and defend their decisions — to regulators, auditors, and internal risk committees. A fraud alert that can't be substantiated is operationally difficult to act on. Alogram was built specifically for this problem.

Alogram's suite of composable fraud intelligence offerings — Account Forensics, Behavioral Intelligence, Email Intelligence, Identity Intelligence, Purchase Forensics, and Telecom Intelligence — delivers specialist risk signals alongside forensic context and audit-ready evidence around suspicious digital activity. These include behavioral anomalies, identity consistency signals, account activity patterns, telecom attributes, and indicators of emerging agentic AI-enabled abuse. Because the offerings are modular and API-delivered, FICO Platform customers can layer Alogram's intelligence into existing decisioning strategies without replacing current infrastructure.

Mitek: Identity Assurance Embedded in the Decision

Identity verification and fraud decisioning have historically operated in parallel rather than together. Organizations verify identity at onboarding, often through a separate system, and then make credit and risk decisions with different tools. The gap between those two processes creates both exposure and friction.

Mitek's Verified Identity Platform (MiVIP) closes that gap. MiVIP brings high-assurance identity verification — designed to counter deepfakes, biometric spoofing, and synthetic identity attacks — directly into FICO Platform's decisioning layer, making identity assurance part of the decision itself rather than a pre-check that happens in isolation. The integration covers critical moments across the customer lifecycle: digital onboarding, account recovery, and ongoing authentication. For enterprises contending with increasingly sophisticated AI-generated fraud threats, the ability to translate identity assurance into decisioning confidence in real time is a meaningful operational advantage.

Pindrop Protect: Fraud Risk intelligence for Your Call Center

Pindrop Protect analyzes each call from the moment it connects, across IVR self-service and agent conversations, to produce a dynamic risk score that reflects voice, device, metadata, behavioral signals, and consortium intelligence in near real time. FICO customers can access this fraud risk solution directly via FICO’s consolidated APIs—such as Interaction Risk—so Pindrop becomes one of the fraud “spokes” feeding the FICO “hub.” Orchestrate decisions and treatments using Pindrop risk alongside other fraud data sources without building new point-to-point integrations.

Verdata: Deeper Intelligence for SMB Decisioning

Small and medium-sized business lending and payments remain stubbornly difficult to underwrite at speed. Data on SMBs is fragmented across public records, regulatory filings, financial indicators, and consortium data — rarely unified in ways that support fast, confident decisions. Lenders and payment providers typically rely on disconnected checks, which slow onboarding and leave meaningful risk signals unconnected.

Verdata addresses this by bringing together more than 25 million public, private, and consortium-based data records spanning firmographics, regulatory activity, business performance, financial indicators, principal information, licensing, service reputation, and ongoing change signals. Verdata's risk insights integrate directly into decisioning workflows, enabling teams to evaluate SMBs more quickly, reduce manual review effort, and monitor portfolio changes proactively — all without new point-to-point integrations.

Mike Mondelli, CEO of Verdata: "All organizations serving small and medium-sized businesses face pressure to make faster and smarter decisions. Traditional data sources leave critical gaps — incomplete, outdated, or disconnected data elements. By adding Verdata's business intelligence to FICO Marketplace, we enable organizations to incorporate complete, current, and actionable data into their decisioning ecosystem."

Credolab: Intelligence for the Applicants Bureau Data Misses

One of the most persistent challenges in consumer credit risk is making confident decisions on thin-file or no-file applicants. Bureau data, however comprehensive, simply doesn't cover large segments of the population, particularly in emerging markets and among younger consumers. Lenders who can't assess these applicants either decline them or take on risk they can't quantify.

Credolab's behavioral metadata analytics platform provides a proven path through this problem. Drawing on nearly 80,000 behavioral data points across Android, iOS, and web — from a dataset of more than 770 million records globally — Credolab generates risk scores that are orthogonal to bureau data and complementary to traditional credit models. For lenders, this means more accurate risk separation on underserved applicant segments, sharper fraud detection earlier in the funnel, and stronger underwriting outcomes across the portfolio.

Michele Tucci, Co-Founder and Chief Strategy Officer at Credolab: "Behavioral risk intelligence is quickly becoming its own category in credit decisioning — distinct from fraud detection, complementary to traditional and transaction scores. FICO's global reach and platform depth give this signal the scale it deserves, helping lenders finally see the applicants that traditional data alone would miss."

Pipl: Account Trust at Massive Scale

Account opening is one of the highest-stakes moments in any digital business, and one of the most difficult to manage at scale. Letting fraud through is costly; creating friction for legitimate users is damaging in a different way. Pipl's Elephant Trust platform was purpose-built for organizations that need to solve both problems simultaneously.

Elephant Trust checks account opening data — name, email, phone number, and IP address — against a global identity graph of five billion profiles, building a traceable history of each user. Trusted users are auto-approved; high-risk ones are surfaced for review. The model is calibrated continuously to each customer's specific fraud patterns, so it improves over time rather than degrading against evolving threats.

Matt Hertz, CEO of Pipl: "Our detection process keeps things running smoothly by checking user identities against a database of 5 billion profiles when they open an account. This gives a clear picture of users' histories so trusted users can be auto-approved, and only high-risk ones are flagged." 

As a launch offer, Pipl is providing FICO Marketplace customers a 90-day complimentary trial of Elephant Trust with no long-term commitment required.

What the Ecosystem Means for Your Business

The capabilities these new partners provide, from detecting document fraud to making faster SMB lending decision, would previously have required separate vendor relationships, bespoke integrations, and separate governance processes for each. On FICO Marketplace, they're accessible within a single, composable framework that connects directly to FICO Platform's decisioning runtime, simulation environment, and change pipeline.

That architecture matters because the value of individual capabilities compounds when they're part of a coordinated decisioning strategy rather than isolated point solutions. A lender can now pair Fortiro's document fraud detection with Credolab's behavioral intelligence and Mitek's identity assurance — not as a multi-year integration project, but as a governed, orchestrated workflow that teams can trial, simulate, and refine without disrupting production.

This is the operating model FICO Marketplace was designed to enable. The ecosystem is growing quickly, and with it, the range of outcomes FICO Platform customers can reach.

To explore these new partner offerings and everything else available on FICO Marketplace, visit marketplace.fico.com.

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