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    Enable pervasive access to in-the-moment, historical, and derived data with end-to-end lineage and traceability.

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    Enrich, manage, share data features, and build real-time customer understanding with transactional profiling.

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    Expertly compose business services that choreograph complex workflows to deliver results at scale.

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    Model decisions with open standards, automate with business rules, and support human-in-the-loop AI.

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    Deliver on the promise of hyper-personalized experiences by seamlessly interacting with customers and employees on the channels they prefer.

  • Continuous Feedback

    Drive data-driven decisions with comprehensive, real-time insights into business, system, and model performance.

  • Digital Twins & Simulation

    Unlock a distinct competitive advantage with an enterprise scenario management ecosystem.

  • Outcome Augmentation

    Elevate the power of AI to your C-suite and create radical business transformation — with confidence.

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    • expand_more
      Data Capabilities
      • Data Connection & Ingestion

        Seamlessly connect to and bring in data from any source — when and where it’s needed.

      • High-Performance Dataflow

        Put data in motion with real-time, batch, and streaming to power world class decisions.

      • Operational Data Transparency

        Enable pervasive access to in-the-moment, historical, and derived data with end-to-end lineage and traceability.

      expand_more
      Insight Capabilities
      • Always-On Features & Profiling

        Enrich, manage, share data features, and build real-time customer understanding with transactional profiling.

      • Applied Analytics & ML

        Deploy fully interpretable, real-time analytics and ML and leverage the very best AI models in the market today.

      • Enterprise Optimization

        Unleash the power of mathematical optimization — find solutions to your most complex business problems using high-performance solvers that maximize your desired outcomes.

      expand_more
      Action Capabilities
      • Business Composability

        Expertly compose business services that choreograph complex workflows to deliver results at scale.

      • Intelligent Decisions

        Model decisions with open standards, automate with business rules, and support human-in-the-loop AI.

      • Omni-Channel Engagement

        Deliver on the promise of hyper-personalized experiences by seamlessly interacting with customers and employees on the channels they prefer.

      expand_more
      Outcome Capabilities
      • Continuous Feedback

        Drive data-driven decisions with comprehensive, real-time insights into business, system, and model performance.

      • Digital Twins & Simulation

        Unlock a distinct competitive advantage with an enterprise scenario management ecosystem.

      • Outcome Augmentation

        Elevate the power of AI to your C-suite and create radical business transformation — with confidence.

      Core
  • Marketplace
  • Customer Lifecycle chevron_right
    • Attract & Engage
    • Onboard & Originate
    • Nurture & Manage
    • Protect & Comply
    • Contact & Communicate
    • Scoring Solutions
  • Solutions chevron_right
    • Application Fraud
    • Application Risk Models
    • Card Fraud
    • Collections & Recovery
    • Consortium Scores for Account Management
    • Consumer Credit Scores
    • Customer Acquisition
    • Customer Communications for Collections
    • Customer Communications for Customer Management
    • Customer Communications for Enterprise
    • Customer Communications for Fraud
    • Customer Management
    • Deposits
    • Driving Risk Scores
    • Enterprise Fraud Innovations
    • Financial Inclusion and Growth
    • Health Care Scores
    • Insurance Scores
    • Next Best Offer or Experience
    • Next Best Sale or Experience
    • Offer Personalization
    • Onboarding
    • Originations
    • Prequalification
    • Prescreen
    • Pricing Optimization
    • SME Lending
    • Scams Protection
    • Small Business Credit Scores
    • Underwriting
  • Products chevron_right
    • Customer Lifecycle Products FICO® Blaze Advisor® FICO® Business Outcome Simulator FICO® Card Alert Service FICO® Customer Analytics FICO® Customer Communication Services FICO® Falcon® Compromise Manager FICO® Falcon® Fraud Manager FICO® Focused Foundation Model for Financial Services FICO® Forecaster FICO® Global Business Consulting FICO® Small Business Scoring Service℠ FICO® TRIAD® Customer Manager FICO® Xpress
    • Scoring Products FICO® Member Score FICO® Resilience Index FICO® Safe Driving Score FICO® Score Open Access FICO® Score X Data FICO® Score XD FICO® Score for International Markets FICO® Score UltraFICO® Score
  • Industries chevron_right
    • Banking
    • Collection Agencies
    • Energy and Utilities
    • Government
    • Healthcare
    • Insurance
    • Manufacturing
    • Retail and E-Commerce
    • Telecommunications, Media and Entertainment
    • Transportation
  • Learn chevron_right
    • Awards & Recognition
    • Blog
    • Community
    • Customer Advocacy
    • Customer Stories
    • Events and Webinars
    • Glossary
    • Newsroom
    • Product Training
    • Resource Center
    • Why FICO
  • Authors
Check your FICO® Score Contact us
  • Home
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  • Authors

Authors

Insights on applied intelligence, decision management and customer centricity from the front lines of the intelligence revolution.

Team working in an office
Aashish Sharma
Aashish Sharma
Adam Davies
Adam Davies
Alexandre Graff
Alexandre Graff
Amir Sikander
Amir Sikander
Andrea Golden
Andrea Golden
Andrew Chow
Andrew Chow
Andrew Manuel
Andrew Manuel
Aninda Bhattacharyya
Aninda Bhattacharyya
Ben Taylor
Ben Taylor
Bill Waid
Bill Waid
Brendan LaCounte
Brendan LaCounte
Bryan Howard
Bryan Howard
Caio Galvanini
Caio Galvanini
Can Arkali
Can Arkali
Corey Smith
Corey Smith
Cyril Cherian
Cyril Cherian
Daniel Nestel
Daniel Nestel
Darran Simons
Darran Simons
Dattu Kompella
Dattu Kompella
David Smith
David Smith
Debbie Cobb
Debbie Cobb
Eduardo Tambellini
Eduardo Tambellini
Erik Franco
Erik Franco
Ethan Dornhelm
Ethan Dornhelm
Fernando Lopez
Fernando Lopez
Fernando Martinez Cabra
Fernando Martinez Cabra
FICO
FICO
Gautam Mehta
Gautam Mehta
Gerald Fahner
Gerald Fahner
Gigi Ligons
Gigi Ligons
Horia Tipi
Horia Tipi
Imre Pólik
Imre Pólik
Jenelle Dito
Jenelle Dito
Jill Deckert
Jill Deckert
Jim Patterson
Jim Patterson
Julie May
Julie May
Liz Ruddick
Liz Ruddick
Louise Lunn
Louise Lunn
Mark Whale
Mark Whale
Matt Stanley
Matt Stanley
Mike Trkay
Mike Trkay
Naomi Palmer
Naomi Palmer
Neel Williams
Neel Williams
Neil Jennings
Neil Jennings
Nick Myatt
Nick Myatt
Nikhil Behl
Nikhil Behl
Paul Panichelli
Paul Panichelli
Peter Lemon
Peter Lemon
Richard Deal
Richard Deal
Richard Lagerweij
Richard Lagerweij
Sarah Cassidy
Sarah Cassidy
Saxon Shirley
Saxon Shirley
Scott Horwitz
Scott Horwitz
Scott Taylor
Scott Taylor
Scott Zoldi
Scott Zoldi
Shivani Landie
Shivani Landie
Szymon Morytko
Szymon Morytko
Tim Broadhurst
Tim Broadhurst
Tim Young
Tim Young
Timo Berthold
Timo Berthold
TJ Horan
TJ Horan
Tommy Lee
Tommy Lee
Ulrich Wiesner
Ulrich Wiesner
Vincent Edelkoort
Vincent Edelkoort
Will Lansing
Will Lansing
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