FICO Infographic: Analytics That "Think" Like Humans

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Stopping fraud, recognizing faces and detecting hackers are a few ways artificial intelligence software is acting human … for the good of humans

SAN JOSE, Calif.—July 7, 2014—FICO (NYSE:FICO), a leading predictive analytics and decision management software company, today published an infographic that illustrates various ways in which Big Data analytic software mimics processes in the human brain. These applications of artificial intelligence address a range of real-world challenges, from combatting financial crimes and computer hacking to verifying identities.

The infographic focuses on four examples of artificial intelligence analytics that work the way people think, and are used in business applications today. These include:

  • Neural networks that use connections between bits of data to detect payment fraud in real time, as used in FICO® Falcon® Fraud Manager, which protects 2.5 billion payment card accounts worldwide;
  • Deep networks that use multiple layers of data processing to recognize human faces and speech;
  • Neuro-dynamic programming that improves areas such as conversational virtual agents in travel bookings, by continually recalculating the optimal action to take as new data becomes available;
  • Cyber analytics that protect computers from hackers by recognizing control relationships between two entities (e.g., “victim” computer and “hostbot” computer).

“The human brain is the smartest computer ever known — and it’s still a great mystery,” said Dr. Andrew Jennings, chief analytics officer at FICO and head of FICO Labs. “As researchers develop theories about how the brain works, data scientists are increasing the power, capacity and speed of analytic technology. The combination of these two phenomena - applying new theories of neuropsychology to develop sophisticated analytics software – will enable us to solve previously unsolvable problems.”

FICO’s artificial intelligence infographic can be viewed and downloaded at For more FICO infographics, visit

About FICO
FICO (NYSE: FICO) is a leading analytics software company, helping businesses in 90+ countries make better decisions that drive higher levels of growth, profitability and customer satisfaction. The company’s groundbreaking use of Big Data and mathematical algorithms to predict consumer behavior has transformed entire industries. FICO provides analytics software and tools used across multiple industries to manage risk, fight fraud, build more profitable customer relationships, optimize operations and meet strict government regulations. Many of our products reach industry-wide adoption. These include the FICO® Score, the standard measure of consumer credit risk in the United States. FICO solutions leverage open-source standards and cloud computing to maximize flexibility, speed deployment and reduce costs. The company also helps millions of people manage their personal credit health. FICO: Make every decision count™. Learn more at

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FICO, Falcon and “Make every decision count” are trademarks or registered trademarks of Fair Isaac Corporation in the United States and in other countries.

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