Account Opening

Fast, frictionless, digital-first account opening solutions.

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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.
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Onboarding Optimization

Prescriptive analytics for optimized customer onboarding to maximize profitability, balance risk, and navigate constraints.
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Interactive Application Communication

Digital communication begins with intelligent omnichannel interactions.
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FICO Advisory Services

Partner with us for deep decision making insights, increased business analytic knowledge and a vision for your longer term strategic direction.
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Decision Scoring Service for Origination

A (not-so-secret) analytics weapon for small and mid-sized lenders — originate smarter, faster, safer, and more profitably.
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Enabling Technologies

With 60+ years of pioneering work in predictive analytics and artificial intelligence, FICO powers our solutions with the most advanced science available.

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.

Cloud

Provide digital account opening that is safe, scalable, and cloud-powered to improve solution flexibility, ROI, and extensibility.

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.

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.
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300%
Increase in revenue in the last 12 months
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100%
Increase in application volume capacity
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50%
Increase in new account bookings
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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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Customer Development
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Customer Development
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Customer Development

Related products

Learn more about how FICO solutions can drive better decisions and better results for your customers and your organization.

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FICO® Origination Manager

Flexible, frictionless loan origination — the right fit for today’s origination needs, and future-proofed for tomorrow.

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FICO® Small Business Scoring Service℠

Reliably and consistently minimize the data, time, and expense of assessing a small business applicants’ credit risk.

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FICO® Customer Communication Services

Digital communication for origination and onboarding, fraud management, and debt collection.

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Related resources

Gain fresh ideas and new strategies for making better business decisions with in-depth thought leadership, solution insights, and customer success stories.

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North America Ensuring Small Businesses Survive and Recover

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Solution Sheet

FICO Customer Communication Services – Originations

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FICO Origination Solution for Financial Services

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From the Blog

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Measuring and Eliminating Customer Friction

A digital transformation resolution for 2020.

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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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Women in Credit Awards Recognize Two More FICO Leaders

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Lenders Should Consider Using "Pooled Models" When Making Originations Decisions

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Safe, 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.

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