FICO Survey Finds Asia Tops in B2C Mobile App Usage, US and Europe Lag

Blog Post
Radial circle

SAN JOSE, Calif. — October 17, 2013 — FICO (NYSE:FICO), a leading predictive analytics and decision management software company, today released the results of an international survey of businesses and consumers showing that China and Korea are the countries with the highest percentage of people who interact with businesses daily via mobile devices.

The survey looked at consumer preferences and tendencies with regard to mobile, online and in-person interactions with banks, government agencies, healthcare providers, insurers, and retailers.

China (51 percent) and Korea (50 percent) were joined by India (49 percent) as the countries with the highest percentage of “mobile native” consumers — those who interact with businesses via mobile devices every day. France (12 percent), Japan (15 percent) and the United States (16 percent) were the countries with the lowest percentage of mobile-native responders.

The survey found that businesses are quick to respond in sectors with consumer-generated pressure to interact via mobile channels. This is most apparent in the retail sector, where businesses are engaging with consumers to cultivate brand loyalty and make special offers.

Mobile users tend to fall into five categories

pie chart

Source: FICO global survey, 2013

The survey segmented respondents into five categories. “Mobile Natives” tend to be technologically savvy. They are typically young (under 34 years of age), affluent males who consider themselves early adopters of technology. “App Shoppers and Bankers” are frequent app users, but they typically use their devices for the limited purposes of banking or retail shopping.

More than half of consumers globally have yet to embrace mobile business apps even though they have smartphones, still preferring traditional channels such as Internet or in-person interactions. These consumers make up the final three categories of consumers – “M:webs” have adopted mobile technology but are not accustomed to using mobile apps; “Mobile Intenders” plan to do more mobile interactions in the future; and “Abc-Mobiles” use a mobile phone but don’t typically interact with organizations via mobile devices. This is often due to an unwillingness to share personal data and a low level of trust with online businesses.

“These survey results indicate that businesses have only scratched the surface of what is possible in the mobile channel,” said Tony McGivern, FICO’s CIO. “Mobile-based customer service and revenue-generating transactions all seem to be in the nascent stages, particularly in some of the world’s largest economies, such as Japan and the United States. Consumers are leading the mobile revolution, and it’s clear the appetite is there for more mobile interaction in the future.”

Respondents said they are most likely to use their mobile devices to interact with retailers, followed by banks, then insurers. Customers of retailers also have the highest expectation of mobile interactions, the survey found.

Among the applications offered by retailers and financial institutions, the most popular type in every one of the 14 countries surveyed is alerts, such as apps that notify consumers of suspicious transactions. More than 72 percent of respondents described such apps as attractive.

The survey of 2,239 adult smartphone users was conducted online in mid-2013 across 14 countries: Australia, Brazil, China, France, Germany, India, Italy, Japan, Korea, Mexico, Russia, Turkey, the UK, and the United States.

About FICO
FICO (NYSE: FICO) is a leading analytics software company, helping businesses in 80+ 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 — such as 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

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

Media contacts


Katie O’Connell
+1 510-621-9832

Europe, Middle East & Africa

Darcy Sullivan
+44 (0) 7808-777-339

Asia Pacific

Saxon Shirley
+65 6422-7795

América Latina

Milla Delfino
+55 11 97673-6583

Take the next step

Connect with FICO for answers to all your product and solution questions. Interested in becoming a business partner? Contact us to learn more. We look forward to hearing from you.