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22. Juni 2015

Three of Spain's Ten Largest Banks Fight Application Fraud with FICO Technology

22. Juni 2015

Leading lenders using platform from FICO, CONFIRMA and ASNEF

Madrid — 22 June, 2015


  • Three of Spain’s top 10 banks are among the early adopters of CONFIRMA application fraud platform
  • The platform is available now in SaaS mode
  • FICO Blaze Advisor decision rules management system enables maximum flexibility and agility

Three of Spain's ten largest banks have been detecting and stopping application fraud using an award-winning platform from CONFIRMA Sistemas de Información, powered by FICO technology. Santander Consumer Finance, Finconsum (CaixaBank) and BanSabadell FINCOM, along with French consumer lender Cofidis and finance firm Findirect, are the early adopters of the platform, which is now available in software-as-a-service (SaaS) mode to banks, savings banks, insurance companies, credit insurance companies, telecommunications companies, payment entities and financial intermediaries.

For more information: http://www.confirmasistemas.es/

The platform has been designed to reduce credit fraud in Spain that masquerades as legitimate requests for loans and credit cards. Each business using the platform can establish and manage its own fraud rules using the FICO® Blaze Advisor® decision rules management system. The platform includes a consortium database of shared credit origination data collected by the financial entities that use the service. All data shared through the platform are compliant with the Data Protection Act.

"Banks, credit providers and other firms need to be open to new ways of doing business with customers, while still controlling risk and complying with strict international standards on data protection and financial crime," said Daniel Melo, senior director of FICO. "FICO-sponsored fraud consortiums in other parts of the world have proven to be enormously valuable. Similarly, sharing information about fraud using the CONFIRMA platform enables participants to improve customer service levels while reducing fraud.”

Actualidad Económica, the Spanish business and economics magazine, named the CONFIRMA fraud platform one of the “One Hundred Best Ideas of 2012.”

FICO is recognized as a leader in anti-fraud technology. Its pioneering FICO® Falcon® Fraud Manager protects more than 2,5 billion payment cards worldwide, and is just one part of the company’s portfolio of enterprise fraud solutions. Worldwide, FICO also offers  FICO® Application Fraud Manager, a solution combining advanced decision management and investigative workflow capabilities with analytics for both first-party and third-party application fraud.

FICO (NYSE: FICO), formerly known as Fair Isaac, is a leading analytics software company, helping businesses in 90+ countries make better decisions that drive higher levels of growth, profitability and customer satisfaction. Der zukunftsweisende Einsatz von Big Data und mathematischen Algorithmen zur Erstellung von Prognosen zum Kundenverhalten hat ganze Branchen grundlegend gewandelt. Die Analytics-Softwarelösungen und -Tools von FICO werden in den verschiedensten Branchen verwendet, um Risiken und Betrugsfälle zu verringern, profitablere Kundenbeziehungen aufzubauen, Abläufe zu optimieren und strenge regulatorische Vorgaben zu erfüllen. Many of our products reach industry-wide adoption. These include the FICO® Score, the standard measure of consumer credit risk in the United States. FICO-Lösungen integrieren Open-Source-Standards und Cloud Computing, um so maximale Flexibilität und schnelle Bereitstellung zu ermöglichen und Kosten zu reduzieren. Das Unternehmen hilft Millionen von Menschen dabei, ihren persönlichen Kreditstatus zu verwalten. FICO: Make every decision count™. Learn more at www.fico.com.

For FICO news and media resources, visit www.fico.com/news.

FICO, Falcon, Blaze Advisor and “Make every decision count” are trademarks or registered trademarks of Fair Isaac Corporation in the US and other countries.


Greg Jawski

+1 212-601-8248

Darcy Sullivan
Europa, Naher Osten und Afrika

+44 (0) 209-940-8719

Saxon Shirley

+65 6422-7795

Marisa Arribas

+1 786 482 7231

Milla Delfino
América Latina

+55 11 97673-6583