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Originating a new credit account is a critical decision that affects 80% of measurable risk over the life of the account, and it sets the stage for yield potential from the borrower. FICO® Origination Manager delivers the flexibility to make more precise decisions at the origination stage, enabling you to compete more effectively with other types of lenders while managing risk at the member level. As a hosted solution, it provides you with advanced functionality at far less cost than installed software, while reducing your IT footprint and minimizing ongoing maintenance.