Kommunikation
Reach the right customer at the right moment, engage them in conversation, and move them to act with AI-powered communications.
The last mile is where trust breaks.
Deliver best-in-class customer experiences and maintain compliance with context-aware AI communications.
The last mile is engaging the customer and compelling them to act, and everything depends on getting communications right. FICO® Platform closes that gap with AI-powered communications that determine the best channel, time, and message to engage the customer, hold generative AI two-way conversations in natural language, and drive self-service resolution, all within a compliance framework built for regulated industries.
A full suite of communications capabilities to drive action.
Omni-channel, one conversation
Customers move between any mix of channels without losing context or starting over.
Reach the right customer using intelligent contact agents that analyze each customer’s profile, history, and real-time responses to determine the best time and channel.
Meet customers where they are and coordinate outreach across the organization so every team draws on the same view, reflecting the customer’s real situation rather than siloed objectives.
Our Communications offerings
FICO® Intelligent Contact Model
Reach the right customer by determining the best time and channel, learning from real-time response data.
FICO® Conversational Agents
Move customers to act with pre-built or custom, generative AI-powered, two-way, natural-language dialogue.
FICO® Focused Language Model
Generate accurate, compliant language for decisioning and communications across collections, fraud, originations, and customer management, trained on decades of real financial conversations and decisioning data.
FICO® Assistant
Give any user senior-analyst-level answers instantly, faster than a manual or a coworker.
FICO® Platform - Scam Signal Service
Detect scams and intervene before payment occurs, analyzing real-time mobile network, customer, and payment data during live transactions.
FICO® Platform - SIM Swap Service
Prompt alerts or authentication before account access by detecting anomalies in behavior and device activity in real time.
Communications solutions built for the lifecycle
FICO® Platform’s AI communications powers purpose-built solutions across the moments that decide whether a customer engages, verifies, pays, or walks away.
Why connected communications win
Decades of AI and analytics, along with financial conversation data, power communications that connect every experience. Deep domain expertise across fraud, collections, originations, and customer management shapes every conversation.
One profile, always getting smarter
Enrich a shared dynamic customer profile that cuts across use cases, powering hyper-personalized decisions that get smarter with every interaction.Decisioning and communications, together
Connect every decision, whether a fraud alert, a collections strategy, or an approval, directly to the customer who needs to engage.Time-to-value
Uniquely bring together AI agents, enterprise communications, and digital self-service, built on 30 years of financial-services compliance, with deployment times averaging 8 to 12 weeks.Purpose-built AI
Understand financial services natively, powered by FICO® Focused Language Model, not retrofitted from general AI models.
Absa Bank
Learn how Absa dramatically improved debt collection strategies and fraud protection using customer communications technology, increasing the containment rate by 29 % in card fraud and 33 % in digital fraud, and more than doubling customer promises to pay since adding WhatsApp.
Explore more
Kontextuelle Profile
Anreichern, Verwalten, Freigeben von Datenfunktionen und Aufbau eines Echtzeit-Kundenverständnisses mit Transaktionsprofilen.
Intelligente Entscheidungen
Modellieren Sie Entscheidungen mit offenen Standards, automatisieren Sie mit Geschäftsregeln und unterstützen Sie Human-in-the-Loop-KI.
KI-Modelle
Setzen Sie vollständig interpretierbare Echtzeit- Analytik und ML ein und nutzen Sie die besten KI-Modelle, die derzeit auf dem Markt sind.
Frequently asked questions
How does FICO® Intelligent Contact Model determine the best time and channel to reach each customer?
FICO® Intelligent Contact Model uses hyper-personalization to determine the best time and channel for each customer, treating everything FICO knows about that customer as the model's environment. The model tests outreach strategies against real responses and continuously narrows in on what works best for that individual, reducing wasted or ineffective attempts over time and improving response rates across the lifecycle.
FICO® Conversational Agents let customers respond, ask questions, or take action directly within a message rather than receive a one-way alert, turning a payment reminder into a chance to reschedule or a fraud alert into a chance to confirm or dispute in seconds. FICO’s internal analysis based on client results shows that handling these two-way conversations autonomously delivers up to a 95 % reduction in client cost per call and a 90 %+ autonomous resolution target, reducing inbound call volume while letting customers resolve issues by tapping a link to a secure web experience, no agent required. Find out more.
In addition to pre-built conversational agents, organizations can build custom agents for the conversations they need across collections, fraud, originations, and customer management, giving greater flexibility, power, and a path forward to autonomous engagement.
FICO® Focused Language Model is trained on decades of real financial conversations and decisioning data rather than general internet data; it understands collections, fraud, originations, and customer management natively; and is sovereign, auditable, and purpose-built for banking compliance rather than retrofitted for it.
FICO® Assistant is an internal assistant that answers questions like how SMS compares to email for contact rates, diagnoses and summarizes cases instantly instead of requiring an analyst to comb through documents and logs, and helps any user make sense of complex, multi-channel solutions with lots of different subflows just by asking. This gives every user senior-analyst-level answers instantly.
Omni-channel orchestration coordinates every touchpoint, SMS/RCS, WhatsApp, email, in-app, web, voice, and more into one continuous conversation, so a customer can move between channels without repeating themselves or losing context. Real-time customer behavior also influences subsequent communications to improve responses.