Account Opening
Fast, frictionless, digital-first account opening solutions.

Overview
Safe, flexible, digital-first account opening — a necessity (not a nicety)
Today’s digitally savvy customers demand safety, convenience, and personalization in their preferred channel when opening accounts. That means lenders must accelerate their digital transformation to build safe, frictionless, engaging, digital account opening experiences. FICO delivers the only turnkey digital-first account opening solution that fits wherever you are today and efficiently scales for where you’ll go tomorrow:
- Integrated marketing with real-time prescreen
- Intelligent and interactive omnichannel communication services
- Seamless ID proofing and unobtrusive fraud detection
- Sophisticated workflow orchestration
- 100+ pre-integrated global data and service providers
- Powered by a scalable decisioning platform to originate any consumer or financial lending product
- Analytics-forward, unified, and extensible solution built for business users
Solutions
Learn how FICO solutions can empower you to make smarter, personalized decisions, streamline operations, and improve the customer experience.
Origination
Fast, frictionless, risk-aware loan origination solution — attract (and retain) profitable, digitally-savvy customers.
Onboarding Optimization
Prescriptive analytics for optimized customer onboarding to maximize profitability, balance risk, and navigate constraints.
Interactive Application Communication
Digital communication begins with intelligent omnichannel interactions.
FICO Advisory Services
Partner with us for deep decision making insights, increased business analytic knowledge and a vision for your longer term strategic direction.
Decision Scoring Service for Origination
A (not-so-secret) analytics weapon for small and mid-sized lenders — originate smarter, faster, safer, and more profitably.
Enabling Technologies
With 60+ years of pioneering work in predictive analytics and artificial intelligence, FICO powers our solutions with the most advanced science available.
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Platform
Effortless, engaging digital account opening powered by the industry-leading FICO® Platform. Start simple with configurable templates for fast time-to-value, and then easily add digital sophistication.
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Cloud
Provide digital account opening that is safe, scalable, and cloud-powered to improve solution flexibility, ROI, and extensibility.
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AI, Machine Learning and Advanced Analytics
Drive portfolio profitability for digital account opening (without adding risk) through FICO’s pioneering AI and advanced analytic offerings.
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Optimization
Simulate, analyze, learn, continually improve digital account opening. Use prescriptive analytics to optimize strategies on a customer-by-customer basis to increase profitability, balance constraints, and deepen customer relationships.
Statistics
Our clients have improved their operational efficiency, reduced delinquencies and losses, cut costs, and maintained security and compliance.

300%
Increase in revenue in the last 12 months

100%
Increase in application volume capacity

50%
Increase in new account bookings

50%
Reduction in manual reviews with improved analyst productivity
Case Study
Truist
Truist (formerly SunTrust) transforms origination processes and improves customer experience.
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Case Study
Vanquis Bank gains agility, opening new credit possibilities with FICO® Origination Manager
Vanquis Bank believes that customers with limited or no credit history still deserve access to financial products. See how this UK-based bank delivered on this promise with a modern origination process.
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Case Study
TBC Bank Streamlines Processes and Increases Profits
Learn how TBC Bank streamlines processes, boosts sales, and increases profits with FICO.
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From the Blog


Beyond Generation Z: Digital Account Opening for Everyone
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Reinventing Origination: Fixing the Decisions that Matter
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Looking Ahead and Preparing for a Post-Coronavirus World
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Risk Model Management: 8 Factors for Reassessing ECL
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UK Cards: More Signs of Stress for the Financially Stretched
Read moreSafe, flexible, digital-first account opening — a necessity (not a nicety)
More than ever, customers demand safety, convenience, and personalization in their preferred channel. That means lenders must build safe, frictionless, engaging, digital account opening experiences. To accelerate your digital transformation, get in touch with one of our experts or request a demo.