Banking
Create hyper-personalized customer experiences to build long-term, profitable relationships - all powered by FICO Platform.
Leadership and innovation
Pedigree and proven performance
+
Active US and Foreign patents
%
Of the largest US financial institutions are FICO clients
Personalized customer experiences — at scale
Change is a constant - from your customers to your competitors to the global economy. The way you used to go to market and engage with your customers no longer work in this new world. Position yourself for success by leveraging all the data you have on your customers to get to know them. Use this knowledge to deliver personalized, compelling, and differentiated experiences and solutions. With 65+ years of experience pioneering data-driven solutions for the global financial industry, FICO is the ideal partner to help you take your digital transformation to the next level.
"We knew that by harnessing the latest AI and advanced decision analytics we could create an experience that would beat customers’ expectations and ensure they were treated as an individual."
Janaina Souza, Head of Consumer Credit Solutions
Industry Expertise
Deposits
Deposits are your gateway to profitable, long-term customer relationships. There has been increased competition with the rise of neo-niche banks that cater to specific populations and fintech’s offering specialized savings solutions. Now more than ever, banks need to use data to better understand their customers and analytics to surface insights to personalize their customers’ experiences to build trust and loyalty.
FICO offers a number of ways to empower you to make smarter, personalized decisions to improve customer experience for deposits.
- Deposit pricing — maximize portfolio performance, accurately forecast liquidity, and increase customer satisfaction by leveraging industry-leading optimization and price- sensitivity modeling.
- Fee refund management — retain fee revenue, reduce costs, and deliver an outstanding customer experience with an end-to-end analytics-driven solution.
- Deposit overdraft management — make highly targeted, revenue-producing decisions that balance revenue, risk, and customer satisfaction to set ideal overdraft limits.
Solutions
Application Fraud
Can you prevent first-party, third-party, and synthetic identity fraud and provide customers with great service?
ARM
ARM enables faster time to “yes” by approving loan applicants quicker, driving increased profitability, streamlining your operations, and reducing regulatory risk.
Collection & Recovery
Customer centric decisions to enhance collections and recovery efficiency, effectiveness, compliance, and customer satisfaction.
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.
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.
Deposits
Attract and retain precious liquidity, grow revenue, and personalize experiences with precise, analytics-driven deposit strategies and execution.
Onboarding
Is friction interfering with your seamless onboarding experience and hampering your new customer growth?
Originations
Open more accounts, retain, and grow your customer base without increasing exposure to risk.
Prequalification
Why rely on guesswork when you can enjoy certainty?
From the Blog
Tackling the Fintech Threat: A Guide for Banks and Credit Unions
Digital Banking: Integrate Your Data, Systems, and Processes
Digital Banking Commandment: Respect Your Customers’ Data!
Digital Banking: Humanizing the Customer Experience
11 Commandments of Digital Banking: The Customer Journey
Report: 2022 Trends for Financial Services
Build better banking experiences
