Modernizing loan origination in APAC
A structured path from legacy LOS to FICO® Platform
Solution Sheet
Designed for APAC banking leaders, this solution brief outlines how FICO® Platform enables a structured, de-risked migration from legacy loan origination systems. It covers core platform capabilities, a proven implementation methodology, and real-world results from institutions across Singapore, India, and the Philippines.
- Legacy LOS systems are a liability. Aging loan origination systems are causing 3–7 day processing delays, inconsistent decisioning, and rising costs — while digital-first competitors approve borrowers in under 5 minutes.
- FICO Platform offers a structured, low-risk migration path. Through phased product migration, low-code configuration, and system integration expertise, institutions can modernize without disrupting business continuity.
- Real results across APAC prove the model works. Banks like GXS Bank, AU Small Finance Bank, and UnionBank have achieved outcomes including sub-3-minute onboarding, 10x improved approval rates, and 80%+ straight-through processing using FICO Platform.
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