Banking
Create personalized, delightful customer experiences to build long-term, profitable relationships — all powered by AI/ML analytics and decisioning.
Onboard & Originate
Open more accounts, retain, and grow your customer base without increasing exposure to risk.
Leadership and innovation
FICO is proud to be recognized by Chartis and Forrester.
Overview
The need to streamline account openings and loan originations and onboarding is more critical than ever.
Customers demand seamless, efficient experiences from the moment they engage with a bank, and failure to meet these expectations can cost you market share.
A strategic investment in seamless loan originations will drive increased open rates, higher conversion volumes, and greater customer retention. It’s no secret that digital transformation and smart automation can significantly boost revenue and improve operational efficiency.
Successfully approve and convert more applications
%
growth in loan originations year-on-year in the first half [1]
%
increase in the number of processed application [2]
$
million in value from nearly 20,000 loans disbursed [3]
The Need for Seamless Originations
Whether it’s opening a bank account, applying for a loan, or accessing credit services, customers want a smooth, efficient experience that reduces friction and gets them to their desired outcome quickly.
However, balancing customer satisfaction with essential back-end processes such as automated decisioning, real-time credit risk assessment, fraud prevention, and data integration presents a significant challenge. In this complex landscape, you need a robust platform that can handle these demands while delivering a seamless experience to the customer.
This is where FICO® Originations Solution, powered by FICO® Platform shines. It helps you not only open more bank accounts but also retain and grow your customer base by providing a smooth onboarding that enhances customer satisfaction and accelerates conversion rates.
Why Seamless Originations are Crucial for Your Business Growth
Securing new accounts and increasing loan originations in a saturated market requires more than just offering competitive interest rates. Customers today expect a seamless and personalized experience right from the start. If your onboarding process is complicated, lengthy, or filled with manual steps, potential clients may abandon the process and seek more efficient solutions from your competitors.
Moreover, as more consumers turn to digital banking, institutions that fail to leverage cloud-hosted platform technology risk falling behind. The ability to provide an intuitive onboarding experience is key to gaining new customers and building long-term loyalty.
FICO® Originations Solution ensures that you do not miss out on these opportunities. By leveraging the power of AI, machine learning, and predictive analytics, you can make real-time credit decisions, assess risk accurately, and provide personalized offers that make customers feel valued from the first interaction.
Why FICO? 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.
Real-time onboarding solution increases digital transactions by more than 60%.
One of Brazil’s largest private banks, Bradesco increases digital transactions by more than 60%, thanks to real-time onboarding.
How it works
See how you can make your business goals a reality and overcome your toughest challenges with a solution trusted by leading organizations worldwide.
Automated Decisioning
Deliver faster, more accurate decisions for loan originations, account openings, and credit risk assessments.
Real-Time Credit Risk Evaluation
Make real-time decisions based on up-to-date credit data, ensuring that you minimize exposure to risk.
Seamless Integration
Easily integrates with your existing systems, providing a smooth transition and eliminating the need for disruptive infrastructure changes.
Personalized Customer Experience
Offer a tailored onboarding experience that adapts to the needs of each customer, improving customer satisfaction and increasing conversion rates.
Transform Your Customer Experience with FICO® Originations Solution
With FICO Originations Solution, powered by FICO Platform, you can reinvent your originations process from start to finish. Here’s how it helps you drive greater growth:
done
Remove friction from the process of opening bank accounts and loans by offering a smooth, hassle-free experience across all channels. The solution integrates with existing systems and other services (scoring, strategies) to deliver faster, more accurate decisions and a personalized customer journey that improves satisfaction and boosts open rates.
done
FICO® Platform is a scalable, agile, and cloud-based solution designed to evolve with your business needs. Whether you’re looking to expand into new markets or adapt to changing regulations, this platform is built for growth and flexibility. You can integrate it with your existing technology stack, ensuring that your investment is future-proof.
done
Growing your portfolio of accounts and loan originations doesn’t have to mean taking on more risk. FICO’s AI-powered platform helps you make smarter, data-driven decisions, ensuring that you’re optimizing for profitability while maintaining compliance and reducing risk exposure.
done
When customers apply for loans or open accounts, they expect decisions to be made quickly. By integrating advanced predictive analytics and machine learning models, FICO Originations Solution enables you to assess credit risk and make instant decisions, improving the overall loan origination process and enhancing customer satisfaction.
Why FICO® Platform is the Right Choice for Your Business
FICO has over 60 years of experience in developing innovative solutions using predictive analytics, machine learning, and artificial intelligence. The FICO® Platform is an end-to-end, composable platform that empowers your organization to address a wide range of use cases across the entire customer lifecycle, from first contact to long-term retention.
With the power of Data, Insights, Actions, and Outcomes, FICO’s approach to AI-driven decisioning is unparalleled. This enables your business to achieve a competitive advantage, lower costs, and accelerate time-to-market — all while ensuring that you can meet customer expectations and comply with regulatory standards.
The Future of Banking: Onboarding and Originations Made Easy
As financial services continue to digitize, optimizing originations and onboarding processes will remain a top priority for organizations seeking to differentiate themselves. FICO® Originations Solution provides a comprehensive, AI-powered solution that allows you to open more accounts, originate loans, and retain customers more effectively.
Customers today demand speed, simplicity, and personalization — and FICO’s platform delivers on all fronts. By adopting seamless originations, you can accelerate your open rates and build stronger relationships with your clients, ensuring their loyalty and long-term value to your business.
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?
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.
Pricing Optimization
Personalize offers balancing business objectives and constraints for profitable, optimal pricing decisions that enhance customer experience.
Originations
Open more accounts, retain, and grow your customer base without increasing exposure to risk.
Underwriting
Optimization and automation offer underwriters what’s needed most — speed, scale, and control.
Prescreen
Deliver faster, smarter digital credit offers at speed and scale.
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.
Offer Personalization
One size doesn't fit all. Deliver the right offers, when and where it matters.
SME Lending
Are you winning your fair share of the SME lending market?
Industries
With 60+ years of pioneering work in predictive analytics and artificial intelligence, FICO powers industries across the world with the most advanced science available.
Healthcare
Healthcare insurance automation that drives smarter, faster, and more insightful decisions and benefits for patients, providers, and payers.
Insurance
Insurance automation that drives smarter, faster, more profitable policyholder strategies and decisions.
Manufacturing
Create more value and higher efficiency by optimizing your manufacturing operations.
Retail & E-Commerce
Meet the needs of the “always on” customer by optimizing the retail customer journey.
Telecommunications, Media & Entertainment
The telecommunications sector is continually evolving, transforming, and growing at unprecedented speed to meet rising consumer demand for ever-more services in our increasingly connected world.
Transportation
Drive business growth and customer satisfaction with industry-leading analytic insights.
Engage and win more customers today
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.