Analytics & ML
Leverage our patented AI techniques to develop your advanced analytics and train your ML models to deeply understand and predict customer behavior.
Application Risk Models
Application Risk Models (ARM) enables faster time to “yes” by approving loan applicants quicker, driving increased profitability, streamlining your operations, and reducing regulatory risk.
Faster, smarter credit risk approvals drives growth
%
increase in revenue within 12 months
%
jump in borrower application volumes
%
rise in new account wins
Overview
Banking and financial services
In a hugely packed, competitive marketplace, with time constraints and limited financial budgets, there’s a need to work faster, harder, and smarter to win and retain the right customers. Successful growth hinges on the ability to make risk-aware lending decisions within a matter of seconds that consistently suit the needs of every one of your prospective borrowers.
Why rely on guesswork when you can enjoy certainty?
Cut delinquency and charge-off losses.
Loan models are developed solely for credit origination decisions and deliver better separation of “good” and “bad” outcomes to help lenders cut risk and reduce losses.
Approve more applicant loans with a faster time to “yes,” while increasing profitability and driving financial growth.
Deliver improved risk assessment for your specific needs, including borrowers with thin credit files or modest resources to develop custom lending models, and expand your key portfolios.
Ensure regulatory compliance.
Our credit models generate intuitive reason codes, so you can respond to legal concerns and borrower questions.
Why FICO
Lenders are operating in highly aggressive markets — but all want to retain and grow market share, while maximizing profit and maintaining acceptable risk levels. By plugging into the power of analytics and artificial intelligence, lenders can deliver faster, smarter, automated, and risk-aware digital decisions at speed and at scale. FICO® Platform can optimize your customer interactions in real time to help you win and retain more business with the right credit decisions and improved customer engagement. It empowers faster, smarter decision management, freeing up your IT teams to focus time, effort, and resources on creating and quickly delivering the very best opportunities to your customers.
Digital Jane
She’s your customer. But how well do you know her and how well are you serving her? Jane is highly valued. But how can you make sure she knows she’s appreciated and always being best served? By using applied intelligence, you can determine how to help improve Jane’s day. Watch this video to see how her bank uses FICO Platform to make this digital experience possible.
Capabilities
FICO solutions offer a wide range of capabilities, empowering you to make smarter, personalized decisions, streamline operations, and improve the customer experience.
Decisions
Make more precise, consistent, and intelligent decisions across your enterprise with expert control over your decision logic.
Simulation
Give your business users the crystal ball they need to creatively explore ideas, respond to emerging trends, and build better decisions.
External Data Access
Inform your decisions and enrich your insights with signals from third-party data and other alternative data sources.
Composition & Orchestration
Choreograph your intelligence to animate customer journeys by weaving data, insights, and actions into positive, memorable, and valuable moments in your customers lives.
Feature Management
Get more machine learning projects into production by leveraging a shared library of derived data attributes across your enterprise
Optimization
Unleash the power of mathematical optimization — use high-performance solvers to model business problems and calculate the best possible decision to maximize your desired outcomes.
Dataflow
Revolutionize your data-intensive business applications with composable dataflows that dramatically improve your customer-facing business decisions
Testing & Validation
Ensure your configuration drives the desired outcomes by testing and validating business services across FICO® Platform
Related solutions
FICO solutions offer a wide range of solutions, empowering you to make smarter, personalized decisions, streamline operations, and improve the customer experience.
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Small Business Credit Scores
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Offer Personalization
One size doesn't fit all. Deliver the right offers, when and where it matters.
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SME Lending
Are you winning your fair share of the SME lending market?
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Originations
Open more accounts, retain, and grow your customer base without increasing exposure to risk.
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Why rely on guesswork when you can enjoy certainty?
Speak to an Expert
We can connect you directly to an adviser.
Request a Demo
After we learn about your unique needs, we’ll organize a customized demo.
Join the FICO Community
As a customer, you’ll be part of global network of fellow innovators.