Applied Analytics & ML
Deploy fully interpretable, real-time analytics and ML and leverage the very best AI models in the market today.
Application Risk Models
Application Risk Models (ARM) enables faster time to “yes” by approving loan applicants quicker, driving increased profitability, streamlining your operations, and reducing regulatory risk.
Faster, smarter credit risk approvals drives growth
%
increase in revenue within 12 months
%
jump in borrower application volumes
%
rise in new account wins
Overview
Banking and financial services
In a hugely packed, competitive marketplace, with time constraints and limited financial budgets, there’s a need to work faster, harder, and smarter to win and retain the right customers. Successful growth hinges on the ability to make risk-aware lending decisions within a matter of seconds that consistently suit the needs of every one of your prospective borrowers.
Why rely on guesswork when you can enjoy certainty?
Cut delinquency and charge-off losses.
Loan models are developed solely for credit origination decisions and deliver better separation of “good” and “bad” outcomes to help lenders cut risk and reduce losses.
Approve more applicant loans with a faster time to “yes,” while increasing profitability and driving financial growth.
Deliver improved risk assessment for your specific needs, including borrowers with thin credit files or modest resources to develop custom lending models, and expand your key portfolios.
Ensure regulatory compliance.
Our credit models generate intuitive reason codes, so you can respond to legal concerns and borrower questions.
Why FICO
Lenders are operating in highly aggressive markets — but all want to retain and grow market share, while maximizing profit and maintaining acceptable risk levels. By plugging into the power of analytics and artificial intelligence, lenders can deliver faster, smarter, automated, and risk-aware digital decisions at speed and at scale. FICO® Platform can optimize your customer interactions in real time to help you win and retain more business with the right credit decisions and improved customer engagement. It empowers faster, smarter decision management, freeing up your IT teams to focus time, effort, and resources on creating and quickly delivering the very best opportunities to your customers.
Digital Jane
She’s your customer. But how well do you know her and how well are you serving her? Jane is highly valued. But how can you make sure she knows she’s appreciated and always being best served? By using applied intelligence, you can determine how to help improve Jane’s day. Watch this video to see how her bank uses FICO Platform to make this digital experience possible.
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.
High-Performance Dataflow
Put data in motion with real-time, batch, and streaming to power world class decisions.
Related solutions
FICO solutions offer a wide range of solutions, empowering you to make smarter, personalized decisions, streamline operations, and improve the customer experience.
Pricing Optimization
Personalize offers balancing business objectives and constraints for profitable, optimal pricing decisions that enhance customer experience.
Next Best Offer or Experience
Put your customer at the center of all that you do.
Next Best Sale or Experience
Do you know the true value of your customer relationships?
Small Business Credit Scores
FICO’s small and medium enterprise (SME) scores for both US and international markets provide lenders with new ways to safely expand small business loan portfolios and grow profits while reducing risk.
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?
Originations
Open more accounts, retain, and grow your customer base without increasing exposure to risk.
Why rely on guesswork when you can enjoy certainty?
Speak to an Expert
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.