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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.

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Faster, smarter credit risk approvals drives growth


increase in revenue within 12 months


jump in borrower application volumes


rise in new account wins

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. 

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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.
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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. 


FICO solutions offer a wide range of capabilities, empowering you to make smarter, personalized decisions, streamline operations, and improve the customer experience.

Analytics & ML

Leverage our patented AI techniques to develop your advanced analytics and train your ML models to deeply understand and predict customer behavior.

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Make more precise, consistent, and intelligent decisions across your enterprise with expert control over your decision logic.

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Give your business users the crystal ball they need to creatively explore ideas, respond to emerging trends, and build better decisions.

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External Data Access

Inform your decisions and enrich your insights with signals from third-party data and other alternative data sources.

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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.

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Feature Management

Get more machine learning projects into production by leveraging a shared library of derived data attributes across your enterprise

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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.

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Revolutionize your data-intensive business applications with composable dataflows that dramatically improve your customer-facing business decisions

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Testing & Validation

Ensure your configuration drives the desired outcomes by testing and validating business services across FICO® Platform 

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Related solutions

FICO solutions offer a wide range of solutions, empowering you to make smarter, personalized decisions, streamline operations, and improve the customer experience.

Pricing Optimization

Personalize offers balancing business objectives and constraints for profitable, optimal pricing decisions that enhance customer experience.

Next Best Offer or Experience

Put your customer at the center of all that you do.

Next Best Sale or Experience

Do you know the true value of your customer relationships?

Small Business Credit Scores

FICO’s small and medium enterprise (SME) scores for both US and international markets provide lenders with new ways to safely expand small business loan portfolios and grow profits while reducing risk.

Offer Personalization

One size doesn't fit all. Deliver the right offers, when and where it matters.

SME Lending

Are you winning your fair share of the SME lending market?


Open more accounts, retain, and grow your customer base without increasing exposure to risk.

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.
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