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FICO 8 Lender Validation Results

Key metrics exceed client expectations in originations testing

Estudio de caso

In recent validation testing, a top US bankcard issuer confirmed that the new FICO® 8 Score and FICO® 8 Bankcard Score provide significantly greater risk prediction over a previous FICO® Score version. Based on a conservative estimate, FICO projected a financial benefit for the lender of USD 1,8 million to USD 5,5 million through conversion to the new scores. This paper details the validation and its findings, highlighting how both new FICO® 8 Scores can help issuers boost profitability by reducing portfolio risk, mitigating losses, and identifying and capitalizing on new revenue opportunities.