Applied Analytics & ML
Deploy fully interpretable, real-time analytics and ML and leverage the very best AI models in the market today.
Prequalification
Why rely on guesswork when you can enjoy certainty?
Overview
Are you successfully assessing information in real time to provide customer value?
Despite rising cost of living, inflation, and a hugely competitive marketplace, our prequalification analysis drives upfront credit limit determination to deliver fast, smart real-time decisions that generate tens of millions of dollars — at speed and at scale for clients across the globe.
Prequalification — Design a digital decisioning journey around your customer
The squeeze on household incomes is having a huge impact on consumer behavior and spending. All lenders know they’re operating in a highly aggressive market — but want to retain and grow market share, while maximizing profit and maintaining acceptable risk levels.
Success hinges on adopting prequalified customer insight to fully optimize and inform credit strategies from the outset. By monitoring customer value and automatically determining the right action — underpinned by a combination of advanced analytics, multiple datasets, information sources, and critical insight — ensures you make informed prequalification decisions, every time. Customers’ financial positions can change in an instant. Safeguard your business with a sophisticated, real-time view of applicants and information, while balancing portfolio risk against profitability.
Design a digital decisioning journey and process around your customer information. FICO® Platform enables you to plug into the key capabilities of data, insights, information, actions, and outcomes to inform every single step of your decision process. Making sure your customers receive the best experience on the market.
Why rely on guesswork when you can enjoy certainty?
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 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.
Digital Jane — Applying prequalification to BNPL purchases
Meet Digital Jane. She's everyone’s customer. Watch this video to find out how a competitive, prequalified real-time buy now, pay later offer is made at the checkout — and how the FICO Platform made it happen.
Capabilities
FICO solutions offer a wide range of capabilities, empowering you to make smarter, personalized decisions, streamline operations, and improve the customer experience.
Intelligent Decisions
Model decisions with open standards, automate with business rules, and support human-in-the-loop AI.
Digital Twins & Simulation
Unlock a distinct competitive advantage with an enterprise scenario management ecosystem.
Data Connection & Ingestion
Seamlessly connect to and bring in data from any source — when and where it’s needed.
Business Composability
Expertly compose business services that choreograph complex workflows to deliver results at scale.
Always-On Features & Profiling
Enrich, manage, share data features, and build real-time customer understanding with transactional profiling.
Enterprise Optimization
Unleash the power of mathematical optimization — find solutions to your most complex business problems using high-performance solvers that maximize your desired outcomes.
Digital Twins & Simulation
Unlock a distinct competitive advantage with an enterprise scenario management ecosystem.
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
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.
Onboarding
Is friction interfering with your seamless onboarding experience and hampering your new customer growth?
Find out more our prequalification capabilities.
Speak to an Expert
Take the next step towards customer centric prequalification, we can connect you directly to an adviser.
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.