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Next Best Sale or Experience

Do you know the true value of your customer relationships?

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Ever wonder why you’re missing out on new customers?

See how FICO helps deliver real business results and better customer experiences for leading organizations across industries and around the world.
customers switched banks last year
customers plan to switch within the next year
customers are on the fence about staying or leaving.
of customers would abandon you in favor of a competitor offering better personalization.
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Is your customer experience creating a competitive advantage?

Successful customer acquisition and retention require near-perfect personalization, strategies, and timing. However, many firms simply don’t fully realize true customer lifetime value from their existing customer base. Are you offering your customers what they want, when they want it? Even the same customer on a different day is likely to have a different customer journey. Without taking their personal situation and history into context, you risk providing generic experiences that aren’t as valuable or enjoyable as they should be. Take the guesswork out of customer retention and enjoy the certainty of FICO solutions.

Informing and powering the very best decisions at every stage.

Successfully retaining and better serving customers hinges on identifying and acting on opportunities along their journey. It involves pre-emptively delivering the very best mix of products, services, or advice that add value to customer relationships. Whether you’re providing a credit line increase in real -time at the point of sale or a low-risk lending option to a customer who’s about to exceed their existing limit, FICO® Platform informs and powers your decisions at every stage. 

  • Identify the best actions

    Advanced analytics determine which actions, offers, and messages for each eligible customer, while also weighing critical objectives such as profit and risk exposure.
  • Execute strategies and adapt quickly

    Continually create, test, and improve customer growth and retention strategies across all applicable decision areas — from pricing to marketing, collections, and beyond.
  • Drive customer responses

    Deliver two-way digital dialogue through your customers’ favored channels — email, SMS, mobile app, or via the website.
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With more than 60 years of innovation and pioneering work in predictive analytics, machine learning, and artificial intelligence, FICO Platform provides a complete, end-to-end set of composable capabilities that empower you to uniquely address a vast spectrum of use cases — across the customer lifecycle. It’s the unique combination of Data, Insights, Actions, and Outcomes that delivers a differentiated approach to AI decisioning, at speed and at scale. It enables you to achieve a competitive advantage you’d experience with a fully custom approach — where your unique know-how and intelligence are kept secret — while lowering your costs and speeding up the time to market.

Case Study

Leading North American Bank

Banking leader eliminates organizational silos, embraces centralized decisioning for a truly holistic view of the customer across the lifecycle
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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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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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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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Revolutionize your data-intensive business applications with composable dataflows that dramatically improve your customer-facing business decisions.

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

Collection & Recovery

Customer centric decisions to enhance collections and recovery efficiency, effectiveness, compliance, and customer satisfaction.

Next Best Offer or Experience

Put your customer at the center of all that you do 

Offer Personalization

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


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


Is friction interfering with your seamless onboarding experience and hampering your new customer growth? 

Customer Communications for Customer Management

Create seamless communication across the entire customer journey with a single enterprise platform solution. 

Why lose business to your competitors?

Speak to an expert to learn how FICO solutions can help you actualize customer lifetime value.
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