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Originating a new account is a critical decision affecting 80% of measurable risk throughout the life of an account, and it sets the stage for yield potential from the customer. FICO® Origination Manager delivers the power to make more precise, value-based decisions at the origination stage, enabling you to grow more profitable small business portfolios while managing customer-level risk. Built on a platform using service-oriented architecture (SOA) principles and delivered on-premises or in the cloud, it also minimises your IT dependence and ongoing maintenance requirements.