BAC

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Empowering customers with life-focused financial solutions

Since its establishment in 1952 as Banco de América Central, BAC has grown to become Central America's leading financial services provider, known for its pioneering role in the credit card industry. The bank’s mission centers on creating a life-centric experience by leveraging digital tools and providing easy access to financial services.

BAC uses FICO decision rules management to implement flexible decisioning across various customer scenarios. This decision engine allows BAC to rapidly deploy new strategies and tailor its offerings to meet the unique needs of its diverse customer base. As a result, BAC has gained the ability to manage credit risk more effectively and deliver personalized financial solutions that support its mission of empowering communities and fostering sustainable growth.

Results

By migrating to FICO® Platform cloud capabilities, BAC’s premier product, Extrafinanciamiento, has:

%

Of the bank’s credit card portfolio

%

Increased usage (20% of customers currently use this product)

Achieved as a Net Promoter Score (NPS)

Source: FICO BAC Case Study

Migrating to a flexible, cloud-based platform

In 2019, BAC partnered with FICO to migrate to cloud-based FICO® Platform. This shift began a new chapter in risk-based decision making, moving beyond siloed operations to a unified, customer-centric approach. The platform’s scalability and adaptability now provide BAC with a 360-degree view of each client, enabling more personalized, data-driven interactions.

The cloud-based platform also allows BAC to continuously evolve by integrating new capabilities as business needs grow. With a flexible architecture, BAC can seamlessly add on tools and services to enhance decisioning, streamline operations, and support future growth, ensuring the platform evolves alongside the bank’s long-term strategy.

“We were able to transform how we operate by embracing FICO’s cloud-based platform with data-driven decision making, empowering our bank to provide personalized financial solutions and drive sustainable growth for our customers.”

Piery Garos Sandino, Senior Assistant Manager, Platforms and Projects at BAC

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Powering smarter decisions with a cloud-based platform

FICO’s cloud-based platform integrates advanced analytics – empowering businesses to make smarter, data-driven decisions. It manages risk and boosts operational efficiency. With this cloud solution, BAC can now centrally manage customer strategies and apply decision rules to provide faster, more personalized financial solutions.