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20 de junio de 2013
SAN JOSE, Calif. – June 20, 2013 –MeridianLink, developer of the industry's first multi-channel account opening and loan origination platform, and FICO (NYSE: FICO), a leading predictive analytics and decision management software company, today announced that they are working together to provide their mutual bank and credit union clients with access to FICO’s small business and consumer lending models.
The solution will combine MeridianLink’s loan origination platform, LoansPQ™, a web-based consumer loan management solution, with two sets of models built by FICO on pooled data representing thousands of loans: FICO® Consumer Application Risk Models (FICO ARM 3) and the FICO® Small Business Scoring ServiceSM solution ( FICO SBSSSM 7). Launched in October of 2012, FICO SBSS 7 is the industry leading scoring service for assessing the risk of US small business credit applicants, and FICO ARM 3 provides an immediate, cost-effective means for assessing risk for a variety of consumer portfolios and market segments. The combined MeridianLink and FICO solution will help banks and credit unions generate instant loan decisions for home equity line of credit, auto loans, credit cards, commercial loans and many other loan products. By using FICO analytics, lenders will be able to speed loan decisions while reducing delinquency and charge-off losses, approving more applicants, increasing profitability, streamlining operations and ensuring regulatory compliance. "Our customers are looking for online account opening and lending solutions that ensure the right credit decisions are made quickly and efficiently," said, Doug Glagola, vice president of Business Development at MeridianLink. "With these new pooled models from FICO, we're putting this power right in their hands."
"Demand for credit from consumers and small businesses is intense, and lenders must respond in real time with offers closely tailored to the applicant's needs," said Bill Waid, general manager, Americas at FICO. "The integrated solution from MeridianLink and FICO enables lenders to grow profitably by adapting quickly to changing market conditions and making more competitive offers to consumers and small business borrowers."
About MeridianLinkMeridianLink, Inc., developer of the industry's first multi-channel account opening and loan origination platform, is a leading provider of enterprise business solutions for 20,000+ financial service organizations. The company’s passion for excellence is reflected in their web-based credit reporting, lending and new account opening/deposit technologies, which all enjoy solid reputations as being cutting edge, reliable and affordable. Based in Costa Mesa, California, MeridianLink is committed to creating “Smart Solutions” that deliver “Real Value.” For more information, visit www.meridianlink.com.
Sobre FICO FICO (NYSE: FICO) es una empresa líder de software de analítica que ayuda a negocios de más de 80 países a tomar mejores decisiones que incrementen el crecimiento, la rentabilidad y la satisfacción del cliente. El innovador uso de Big Data y de algoritmos matemáticos por parte de la empresa para predecir el comportamiento del consumidor ha transformado sectores enteros. FICO ofrece software de analítica y herramientas que se emplean en múltiples sectores para gestionar riesgos, combatir el fraude, crear relaciones con clientes más rentables, optimizar operaciones y cumplir con estrictas regulaciones gubernamentales. Many of our products reach industry-wide adoption — such as the FICO® Score, the standard measure of consumer credit risk in the United States. Las soluciones FICO emplea estándares de código abierto y cloud computing para maximizar la flexibilidad, hacer despliegues más rápidos y reducir costes. La empresa también ayuda a millones de personas a gestionar su salud crediticia personal.
FICO: Make every decision count™. Learn more at www.fico.com.
Statement Concerning Forward-Looking InformationExcept for historical information contained herein, the statements contained in this news release that relate to FICO or its business are forward-looking statements within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially, including the success of the Company's Decision Management strategy and reengineering plan, the maintenance of its existing relationships and ability to create new relationships with customers and key alliance partners, its ability to continue to develop new and enhanced products and services, its ability to recruit and retain key technical and managerial personnel, competition, regulatory changes applicable to the use of consumer credit and other data, the failure to realize the anticipated benefits of any acquisitions, continuing material adverse developments in global economic conditions, and other risks described from time to time in FICO's SEC reports, including its Annual Report on Form 10-K for the year ended September 30, 2012 and its last quarterly report on Form 10-Q for the period ended March 31, 2013. If any of these risks or uncertainties materializes, FICO's results could differ materially from its expectations. FICO disclaims any intent or obligation to update these forward-looking statements.
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