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FICO® Analytic Offer Manager enables companies to meet each customer's individual needs more effectively—and in doing so, improve their own bottom lines. It predicts not only what type of offer each customer is likely to respond to, but also when. Combining FICO's industry-leading predictive analytics with FICO's optimization engine, the solution develops highly personalized offers that not only match the customer's purchasing propensities, but also meet the marketer's business objectives. In fact, FICO's analytic solution has been shown to increase response rates from 2–3% to as much as 20–30%.