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

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Investment in seamless originations will always be a driver for open rate growth


increase in revenue inside 12 months.


jump in opening application volumes.


rise in new open account wins.

Whatever your business, prospects and customers always expect great things — right from the outset.

Today’s customers want convenience, ease, and seamless, personalized treatment throughout their journey. But continually meeting consumer expectations at the point of originations is a challenging balancing act. Particularly when faced with delivering a seamless, friction-free customer experience, while consistently ensuring the multiple demands of automated decisioning, real-time credit risk assessment, fraud and ID checks, data integration, competitive pricing, and offer optimization. Open more bank accounts and retain more customers with FICO® Originations Solution, powered by FICO® Platform.

Why let a competitor win your business? Satisfying expectations, while growing market share in a hugely competitive marketplace is prompting many firms to turn to state-of-the-art cloud-hosted platform technology to ensure they secure higher open rates and retain and best serve customers from the outset.

FICO Originations Solution, powered by FICO Platform

FICO Originations Solution, powered by FICO Platform, allows you to reinvent the originations process from the outset, so opening new customer bank accounts converts to lifelong customer loyalty. It enables you to:

Streamline and personalize customer experience for all bank account and savings account openings by removing needless friction across all channels.


Future-proof your investments with smart, agile, scalable, cloud-based solutions.


Plug into an enterprise intelligence network that’s powered by the leading decisioning and analytic platform.


Grow portfolio profitability without adding risk, or jeopardizing compliance requirements.


Balance originations and opening at speed and scale to best suit internal risk appetites.

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With more than 60 years’ 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 — right 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 would typically only 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.


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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Related solutions

Learn how FICO solutions can empower 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?

Card Fraud

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


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.

Enterprise Fraud Innovations

More than 30 years of continuous, proven fraud-fighting innovation, powered by artificial intelligence and machine learning.

Offer Personalization

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


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


Why rely on guesswork when you can enjoy certainty?

Why let a competitor win your business? Find out more here.

Speak to an Expert

We can connect you directly to an advisor.

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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