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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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The Forrester Wave 2020: Digital Decisions Platforms


Global consulting giant Forrester names FICO a leader, with the strongest current digital decisions offering on the market.

Loyalty is finite. You must consistently deliver optimal customer experiences.

See how FICO helps deliver real business results and better customer experiences for leading organizations across industries and around the world.

Are your customers front and center?

Your customers’ financial health is continually fluctuating. Accurately understanding their needs and circumstances on a day-to-day basis ensures a winning long-term strategy for retention and profitability. If you’re unable to make offer personalization a priority, customers will simply go to a bank that can. Put customers at the center of everything you do, while balancing your critical commercial needs, so you can win, retain, and continue to serve a loyal and growing base. FICO ensures you can pre-emptively determine the most appropriate offers and personalized experiences to suit each customer at any given time. Our technology provides optimal decision management strategies to deliver winning customer solutions. 

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Adopting offer personalization for a faster time to “yes”

6 ways offer personalization can help drive your growth:
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We have 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 full customer lifecycle. It’s our 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, while lowering your costs and speeding up the time to market.  

“Projecting the results across our portfolio, we forecast an annual increase of $16 million in annual portfolio profit and $41 million in new sales.”

Zuzana Sloukova
Česká Spořitelna
Case Study

Top-tier European Bank

Find out how a top-tier European bank removed time-consuming manual processes to prevent more than $3 million in fraud losses per year.
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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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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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Testing & Validation

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

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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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Related solutions

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

Application Fraud

Can you prevent first-party, third-party, and synthetic identity fraud and provide customers with great service?


ARM enables faster time to “yes” by approving loan applicants quicker, driving increased profitability, streamlining your operations, and reducing regulatory risk.

Customer Acquisition

Outshine the competition and reach new heights. Predictive analytics and enhanced customer onboarding give you the power to achieve portfolio growth while staying within resource constraints.

Customer Management

Your customers’ needs can shift in an instant. Monitor changes and develop real-time 360-degree customer views of account performance with FICO’s advanced customer management technology. 


Attract and retain precious liquidity, grow revenue, and personalize experiences with precise, analytics-driven deposit strategies and execution.


Why rely on guesswork when you can enjoy certainty?

Collection & Recovery

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

Card Fraud

Deliver superior fraud protection experiences and prevent debit and credit card fraud before it happens.

Grab business from your competitors

Contact us to speak to a FICO expert, request a customized demo, or join our community of global innovators. We’ll show you what we can do together!