FICO® Responsible AI

Safely apply machine learning with explainability, accountability, and ethics.

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Trustworthy AI and Machine Learning

FICO was founded on the promise of using data to remove human prejudice and discrimination in lending decisions. FICO invented a fair, transparent approach to credit scoring that was based on math instead of subjective human judgement or bias. Our company has been operationalizing explainable AI for more than 20 years in the areas of credit risk and fraud detection and has patented new algorithms for explainable AI, ethical AI, and model governance standards. Many of these innovations are now in FICO® Analytics Workbench™.

Market-First Innovations in Responsible AI

Our offering spans unique methodologies and processes for bias detection; building, executing, and monitoring models; model governance powered by immutable blockchain; an explainable AI toolkit; pre-built models in our solutions; simulation; and robustness testing. We refer to the combination of these capabilities as FICO Responsible AI and it enables lasting value creation.

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We are thrilled to have a system that has the predictive power of advanced machine learning techniques combined with the flexibility, explainability, and implementation ease of a scorecard.

Head of Credit Scoring
at a Top 5 US Bank

Responsible AI to Develop and Operationalize Predictive Analytics

FICO Responsible AI permeates all that we do, and it is baked into our platform and offerings. This enables our customers to develop and operationalize predictive analytics in a trustworthy and transparent way across the customer lifecycle.

FICO recently commissioned an independent global research report on the use of AI, and found that:

Report an ethical approach is critical for success
Are not monitoring for model drift
Have a unified approach for AI projects
May 16, 2023 – May 19, 2023

FICO World 2023

Every year, this global forum gives business leaders ideas for advancing their digital transformation, launching new customer strategies and outsmarting the competition. Register now and secure your analytic edge.

Register now
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Case Study

Prominent North American Bank

A top 5 US bank leverages machine learning to responsibly improve credit risk decisions.
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Business Meeting
Decision Management and Optimization


VIDEO: Fighting Bias in AI, Analytics and Scores

Diverse thinking is needed to avoid introducing gender bias and other forms of bias into analytic models
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Artificial Intelligence: Make it Ethical, Explainable, and Efficient

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VIDEO: The REAL Problems with AI – My Talk with Kate Crawford

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AI Predictions 2020: Artificial Intelligence Grows Up

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How can you ensure your AI, machine learning, and advanced analytics are operationalized in a responsible way? Contact FICO to learn more.