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After six years in business, Kabbage reached out to FICO for a better way to support the real-time lending decisions it makes every day using online third-party transaction data. "Technology is a vital part of our DNA," explains Kathryn Petralia, Cofounder and Chief Operating Officer at Kabbage. "We knew we needed a solid technical foundation and reliable partners to help us scale our business. But the third-party decisioning technology we originally licensed turned out to be hard to work with, and the custom functionality we built next became unmanageable."