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Onboard & Originate

Is friction costing you lost business?

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FICO #1 in Innovation

#1 in Innovation for Retail Finance and AI and Decision Management Platform

FICO awarded first place in six categories on risk and compliance technology in the 2023 Chartis RiskTech100® Report, including Innovation for the sixth year in a row.

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Successfully approve and convert more applications


increase in revenue within 12 months


jump in application volumes


rise in new account wins
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Today’s consumers not only have high expectations, but they’re also impatient and expect decisions to be made in real time.

Satisfying onboarding expectations, while driving growth in a hugely competitive banking industry is very challenging. Best-in-class financial institutions have been turning to state-of-the-art cloud-based platform technology to ensure the highest conversion rates while meeting risk thresholds.

Seamless account opening

Today’s digitally savvy customers demand convenience and personalization, while safeguarded from fraud, all delivered via their preferred channels. FICO® Platform offers everything you need for account opening and more.

Create a positive account opening experience and an efficient origination process by streamlining and personalizing the customer experience to remove unnecessary friction.  

Why FICO? With more than 60 years’ innovation and pioneering work in predictive analytics, machine learning, and artificial intelligence, FICO Platform provides a complete, end-to-end set of composable capabilities.

How it works

See how you can make your business goals a reality and overcome your toughest challenges with a solution trusted by leading organizations worldwide.

Get the data

Easy, straightforward agnostic access to more than 100 global data sources. An extensive set of data providers are available today, with new ones quickly added as needed.

Understand the risk

By generating real-time insights, automated risk assessments can be made of your applicants and customers.

Make the decision

FICO® Platform’s rules and analytics enable you to make the best decision, the first time and every time.

Monitor and learn

The world continues to change, driving the need to continually refine strategies to match the speed of the market — or faster.


FICO solutions offer a wide range of capabilities, empowering you to make smarter, personalized decisions, streamline operations, and improve the customer experience.

Application Fraud

Can you prevent first-party, third-party, and synthetic identity fraud and provide customers with great service?

Customer Management

Your customers’ needs can shift in an instant. Monitor changes and develop real-time 360-degree customer views of account performance with FICO’s advanced customer management technology.

Pricing Optimization

Personalize offers balancing business objectives and constraints for profitable, optimal pricing decisions that enhance customer experience.


Open more accounts, retain, and grow your customer base without increasing exposure to risk.


Optimization and automation offer underwriters what’s needed most — speed, scale, and control.


Deliver faster, smarter digital credit offers at speed and scale.

Customer Acquisition

Outshine the competition and reach new heights. Predictive analytics and enhanced customer onboarding give you the power to achieve portfolio growth while staying within resource constraints.

Offer Personalization

One size doesn't fit all. Deliver the right offers, when and where it matters.

SME Lending

Are you winning your fair share of the SME lending market?


With 60+ years of pioneering work in predictive analytics and artificial intelligence, FICO powers industries across the world with the most advanced science available.


Create personalized, delightful customer experiences to build long-term, profitable relationships — all powered by AI/ML analytics and decisioning.

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Energy & Utilities

Solve difficult challenges and create new opportunities.

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Healthcare insurance automation that drives smarter, faster, and more insightful decisions and benefits for patients, providers, and payers.

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Insurance automation that drives smarter, faster, more profitable policyholder strategies and decisions.

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Create more value and higher efficiency by optimizing your manufacturing operations.

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Retail & E-Commerce

Meet the needs of the “always on” customer by optimizing the retail customer journey.

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Telecommunications, Media & Entertainment

The telecommunications sector is continually evolving, transforming, and growing at unprecedented speed to meet rising consumer demand for ever-more services in our increasingly connected world.

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Drive business growth and customer satisfaction with industry-leading analytic insights.

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Fit today’s needs and grow for tomorrow’s demands

Speak to an Expert

We can connect you directly to an adviser.

Request a Demo

After we learn about your unique needs, we’ll organize a customized demo.

Join the FICO Community

As a customer, you’ll be part of global network of fellow innovators.
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