HSBC

HSBC UK partnered with FICO to transform credit line strategies using AI-powered decision optimization. Facing pandemic disruptions and evolving UK Consumer Duty regulations, HSBC needed to balance growth, risk, and customer outcomes. Using FICO Platform's Enterprise Optimization Capability with causal inference models and 40 optimization scenarios, they achieved 15% increase in monthly spend among targeted customers, 2% improvement in active rate, and 6% boost in share of wallet without increasing financial risk, earning multiple industry awards.

• 2% increase in active customer rate and 6% boost in share of wallet through FICO Platform's Enterprise Optimization Capability, with no increase in financial risk
• Award-winning AI optimization solution - Winner of 2025 FStech Award for Best Use of Data Analytics and 2024 FICO Decisions Award for AI, Machine Learning, and Optimization
• Responsible lending at scale - Automated credit line decisions aligned with UK Consumer Duty regulations for better customer outcomes
• Data-driven credit strategy transformation - Replaced traditional champion-challenger testing with mathematical optimization and causal inference models
• Enterprise-ready decision optimization - Processed 40 optimization scenarios using 8 action-effect models to balance growth, risk, and profitability