FICO

FICO is a leading analytics software company, helping businesses in 90+ countries make better decisions that drive higher levels of growth, profitability and customer satisfaction. The company’s groundbreaking use of Big Data and mathematical algorithms to predict consumer behavior has transformed entire industries.

Case Studies

Showing 228 FICO Customer Success Stories

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EverBank reduces risk and costs through more agile and responsive pricing

 TIAA Bank logo

Leading online lender turns to the cloud to ease regulatory compliance

4Finance logo

Absa provides seamless customer experience across business units with connected decisions

Absa Bank logo

Absa Home Loans leverages FICO® Platform capabilities to optimize collections to reduce delinquencies

Absa Bank logo

ADIB reduces risk while meeting IFRS 9 requirements

Abu Dhabi Islamic Bank logo

A major testing organization turns to optimization to automate test development

ACT logo

African Bank Centralizing Decisions Across the Credit Lifecycle

African Bank logo

FICO Insurance Fraud Manager doubles Fraud Detection Performance for Agis

Agis Zorgverzekeringen logo

Aiful Corporation Improves Customer Experience Using Smart Automation in Collections

Aiful Corporation logo

Air Products masters supply chain complexity with FICO business rules

Air Products and Chemicals logo

Leading Turkish bank increases profits by 129% using FICO® Platform

Akbank logo

A holistic approach to financial crime prevention at Alpha Bank

Alpha Bank logo

Amazon Web Services - Customer Case Study

Amazon Web Services logo

How American Airlines runs the largest airline in the world on the leading optimization platform

American Airlines logo

Leading New Zealand bank pioneers explainable machine learning models to assess credit risk

ANZ logo

Australian energy supplier increases debt collections by 72% with FICO

ACG Michigan blazes new trails for insurance underwriting with Decision Management solution

Auto Club Group Michigan logo

How Avis Europe optimized fleet usage to drive $19 million in gains

Avis Europe plc logo

Aviva aims to double business volume and improve customer service with FICO Blaze Advisor system

Aviva UK Health logo

Banamex/Citigroup dramatically decreases fraud losses, false positives

Banamex logo

BAC’s Cloud Transformation Empowering Decisions and Customers

Banco de América Central, BAC logo

Banco Ficohsa Increases Sales and Profits by Millions of Dollars with Decision Management Technology

Banco Ficohsa logo

Banco Invex reduces costs and increases collector productivity with advanced C&R system

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Bank Mandiri and FICO partner to combat fraud in Indonesia's digital banking revolution

Bank Mandiri logo

Bank of China maximizes huge market opportunities in retail banking with Blaze Advisor

Bank of China logo

Decision Management fuels market share growth for bank of Communications in China

Bank of Communications logo

Bank of Communications adopts Model Builder to fast track its credit card business

Bank of Communications logo

Bank of East Asia - Customer Case Study

Bank of East Asia logo

Major Dominican bank leverages automation to standardize credit assessments, reduce costs, and improve the customer experience

Banreservas logo

For top Mexican bank, enterprise approach to fraud delivers dramatic results across channels

BBVA Bancomer logo

BCP boosts revenue by 22% by optimizing with digital pricing strategies

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BDO Unibank Slashes Fraud Losses Quickly with FICO® Falcon® Fraud Manager

BDO UniBank logo

Bluestem adds millions in revenue with segmentation strategies through advanced analytics

Bluestem Brands, Inc logo

Banking giant grows portfolio with better credit decisions

Cabot Credit Management Boost Efficiency and Customer Satisfaction with FICO® Debt Manager™ Solution

Cabot Credit Management logo

Caixa Galicia increases revenue with streamlined customer lifecycle decisions

Caixa Galicia logo

FICO Blaze Advisor drives modernization of legacy systems at the California Department of Motor Vehicles

California Department of Motor Vehicles logo

FICO Blaze Advisor for .NET automates underwriting decisions for California State Automobile Association

California state Automobile Association (CSAA) logo

Canadian Tire targets customer value to drive sustainable growth

Canadian Tire Financial Services logo

How Canadian Tire Bank met IFRS 9 requirements while reducing risk?

Canadian Tire Financial Services logo

FICO Analytics Help Optimize Placements and Retain Good Customers

Capital One Auto Finance logo

Global FICO® Score also allows clients to differentiate its offer to the risk profile of the customer

Cathay United Bank logo

Top Chilean retailer counts on cards to boost sales

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Tarjetas Cencosud accelerates scorecard delivery by 400%, improves financial visibility

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Leading Czech bank optimizes pricing, boosts portfolio profit by 26%

Ceska Sporitelna logo

Chase strikes risk-reward balance with flexible strategy design

Chase logo

China Minsheng Bank Processes 3.5 Million Online Credit Card Applications Automatically

China Minsheng Bank logo

China Minsheng Bank improves micro and small enterprise lending, strengthens Basel compliance

China Minsheng Bank logo

China Minsheng Bank Credit Card Center Grows Credit Card Business Using Intelligent Marketing and Instant Approvals

China Minsheng Bank logo

Círculo de Crédito - Customer Case Study

Círculo de Crédito logo

ConAgra Foods transforms impersonal offers into engaging consumer experiences

ConAgra Foods logo

CFCU found the FICO® score effective in complementing its practice of closely reviewing each member’s loan application

Contra Costra Federal Credit Union logo

A flexible risk decision system leads to more profitable customer relationships for Cred-System

Cred-System logo

CGC transforms its business strategy to expand from credit guarantees to direct loans

Credit Guarantee Corporation logo

Lebanon's CreditBank overhauls originations process to gear up for growth

CreditBank logo

How to Be Successful with the FICO Blaze Advisor Decision Rules Management System

Decisive AS logo

Dell Financial Services creates a Universal Decision Engine with FICO

Dell Financial Services logo

Insurance company DEVK beats the AML compliance deadline

DEVK logo

Fintech innovator helps its customers identify more fraud, while reducing analysis time by 95%

Dock logo

DoorDash optimizes complex deliveries up to 100x faster with FICO® Xpress Optimization

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Business Partner Due Diligence with Siron® KYC at DyStar

DyStar logo

Ecobank thinks global and acts local with a unique AML/KYC implementation

Ecobank Transnational Incorporated logo

Egg takes the lead in online banking using Decision Management tools and analytics

Egg plc logo

I-Score helps Egyptian banks grant more credit with less risk and cost

Brazilian payment technology leader captures 15% market share while supplying best-in-class cloud-based fraud protection

Elo logo

How optimization helped a wireless internet provider become a service leader

EOLO logo

Leading microlender centralizes model development across 15 countries

Ferratum Group logo

FICO custom predictive models strengthen Fifth Third Bank’s bank card portfolio, position it for profitable growth

Fifth Third Bank logo

Leading card issuer posts a double-digit increase in marketing response rates

First Bankcard logo

Turkish Bank Boosts Collection Performance Ahead of Economic Downturn

Garanti BBVA logo

Norwegian bank accelerates collections and recovery benefits with a preconfi gured FICO® Debt Manager™ Live solution

Gjensidige Bank logo

Auto Company Drives Profitability Through Real-Time Alternative Deal Structuring

Centralized Decisions for Customer Engagement

Energy firm leverages optimization across the enterprise to maximize value from volatile markets

Independent auto finance company safely accelerates credit decisions in non-prime

Global Financial Services Company - Customer Case Study

Global Financial Services Company - Customer Case Study

Consumer relationship marketing solution drives multi-brand, mutli-channel marketing efforts

Globe Telecom reduces churn and account delinquency with multi-channel customer engagement

Globe Telecom logo

GEHA catches fraud before payout while improving case targeting twelve-fold

Government Employees Health Association(GEHA) logo

Grupo Fleury applies advanced analytics to enhance demand forecasting

Grupo Fleury logo

HBOS refines outsourced debt collection with FICO Decision Management

HBOS logo

Health care provider surpasses marketing goals using FICO Segmentation Models

Healthways logo

Hewlett Packard Enterprise Modernizes Analytics with the FICO® Decision Management Suite

Hewlett Packard Enterprise logo

Leading healthcare payer tightens grip on fraud with automated detection analysis

Highmark logo

FICO health care fraud analytics uncover vast savings for Highmark

Highmark logo

How Home Credit Group transformed its business and expanded to 11 countries?

Home Credit Group logo

Honeywell schedules big profits for its clients with FICO® Xpress Optimization Suite

Honeywell logo

Hong Leong bank outsmarts fraudsters with Falcon Fraud Manager

Hong Leong Bank logo

The HSBC optimization factory speeds global strategy deployment

HSBC logo

ICICI Bank adopts Blaze Advisor to accelerate car loan applications processing

ICICI Bank logo

Infosistema and FICO® Build Industry Expertise into a Powerful Decisioning Solution for Insurance

Infosistema logo

Intesa Sanpaolo Card reduces fraud for 11 banking networks with FICO® Falcon® Fraud Manager

Intesa Sanpaolo Card logo

Itaú Unibanco accelerates entry into new markets

Itaú-Unibanco logo

Data-Driven Lender Replaces Unmanageable Decisioning Technology with FICO® Origination Solutions

Kabbage logo

Kemper increases insurance applications processed while reducing underwriting risk

Kemper Corporation logo

FICO helps KeyBank "cut away the noise" to detect more wire fraud

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KeyCorp Banks on Predictive Analytics to Deliver Customer Value

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The retailer disrupts its business model with data and analytics to revitalize customer relationships

La Polar logo

Large Australian Bank Capitalizes on Regulatory Efficiency

Large Australian Bank delivers over 800K varying price points across products, geographies, channels, and branches.

Global bank improves trade-offs between growth and margin with consistent modeling, methods, and user experience

FICO Machine Learning Yields Rapid Time to Value (TTV) and Uncovers New Risk Predictors

Multinational bank prevents application fraud using a real-time, enterprise fraud approach

Multinational retail bank achieves cost savings, better productivity with automated, real-time customer screening for effective AML

FICO Custom Decision Optimization boosts portfolio profit through optimal credit line strategies

After a three-month implementation, the retailer is experiencing significant results

Better Overdraft Decisions Boost Revenue and Greater Customer Satisfaction for Large US Bank

Top Auto Insurer Puts the Brakes on Fraud

Latin American financial firm distills key insights from big data for competitive edge

Leading Asian bank boosts analytic sophistication with real-time execution and reporting

Leading Chinese banks rely on FICO® Customer Communication Services for collection work without collectors

FICO Optimization Solutions Streamline Customer Acquisition

Leading card issuer posts a double-digit increase in marketing response rates

Debt collection agency handles 35% more delinquencies with FICO® Debt Manager™ 9

Debt recovery leader reduces violations, improves performance with speech analytics

Leading European bank detects and prioritizes compromised merchants with advanced analytics

Retail finance leader drives better results with smart, automated and compliant collections

Global banks boost efficiency and effectiveness for AML utilizing FICO® AML Advanced Analytics

Leading organization takes an incremental approach to digital transformation, powered by centralized decisioning

Leading Home Construction Company - Customer Case Study

Leading home insurer boosts retention through proactive policyholder “win back” communications

Leading insurer rolls out real-time, risk-based underwriting

Leading insurer rolls out real-time, risk-based underwriting

Top UK lender closes more loans by automating 25% of communications with FICO

Mortgage lender cuts online payment fraud with real-time authentication

Leading mortgage servicer finds strong value in new industry score

Leading bank improves accuracy, reduces false positives with FICO Falcon® Fraud Manager

Leading North American bank finds renewed success in customer marketing with new FICO solution

Banking leader eliminates organizational silos, embraces centralized decisioning for a truly holistic view of the customer across the lifecycle

Multinational financial institution takes an enterprise approach to better manage financial crime and counter terrorist financing

Leading Rural Mortgage Company - Customer Case Study

Leading thrift bank streamlines debt collection with FICO Debt Manager, laying foundation for growth and profitability

Top US Bankcard Issuer Nurtures Best Customers to Grow Business

Faster, more precise ad pricing solution reduces costs, improves time-to-revenue for top US magazine

Top US card issuer streamlines fraud prevention, 300% increase in cases worked

Major Canadian Grocery Retailer Builds Relationship Value by Systematically Learning What’s Relevant to Individual Customers

Major Consumer Bank Improves Credit Decision Process using FICO® Origination Manager

How optimization helped one company boost analytic efficiency by more than 90% and save millions

Retailer Uses FICO Decision Management Suite to Sense and Respond in Real Time

Major Global Bank Increases Effectiveness and Efficiency of Its Overdraft Management

Major bank builds an innovative platform to drive profitable credit card growth

Bank drives unprecedented growth through centralized decisioning powered by machine learning

How a major bank in Turkey proactively tackled enterprise fraud with a customer-centric approach

Turkish bank decreases fraud by 98% with real-time, enterprise-wide fraud prevention

Major US Bank Improves Customer Retention with Deposit Management

Major US Bank Improves Hold Management Using FICO® TRIAD® Customer Manager

Major US Bank - Customer Case Study

Analytics help a major PBM improve patient engagement and operational efficiency

How a major telco uses machine learning to build marketing response models

FICO optimization technology at the forefront of manufacturing innovation

Manufacturing Technology Centre logo

Better risk management for Marlette Funding

Marlette Funding logo

Mashreq originations project drives 30% improvement from “day one

Mashreq Bank logo

Mastercard drives industry innovation in fraud prevention - Portuguese

MasterCard logo

Medscheme Overhauls Its Claims System to Deliver Better Strategies

Medscheme logo

Leading insurer “democratizes” its decisioning platform for insurance underwriting

Mercury Insurance logo

Spinning straw into gold How Meridian made bad debt pay off

Meridian Health logo

Latin America’s largest microfinance bank uses FICO® Platform to expand microlending and help unbanked consumers

Mibanco logo

Millennium bcp fuels growth with customer-focused risk strategies

Millennium bcp logo

Multinational Bank Gets Ready for IFRS 9 Impairment Regulations

For This Multinational Online Retailer, Higher Profits Start with and Build from Better Seller Onboarding

Online Retailer Automates Seller Onboarding and Reduces Fraud Losses

Mutual of Omaha improves flexibility, security of portal environment

Mutual of Omaha logo

National Bank of Australia transforms collections to prepare for a changing economy

National Australia Bank logo

National Australia Bank uses FICO solution to put customers first and improve collections results

National Australia Bank logo

World’s largest building society grows loan portfolio and profitability

Nationwide Building Society logo

Nationwide Streamlines Origination Processes and Improves Customer Service with FICO Solution

Nationwide Building Society logo

Natura &Co leverages FICO® Platform to foster a better future

Natura &Co logo

Neckermann speeds development of predictive analytics

neckermann.de GmbH logo

Nedbank streamlines audit process to simplify Basel compliance

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Nestlé USA Applies Optimization Models to Save on Transportation and Production Costs

Nestle logo

Nestle USA Applies Optimization Models to Save on Transportation and Production Costs

Nestle logo

Risk management cockpits provide right information to manage liquidity and risk at NORD/LB

NORD/LB logo

Independent auto finance company safely accelerates credit decisions in non-prime

Decision Management makes the best medicine for one community health care network

Parkview Health logo

Pekin Insurance Leveraging Business Rules and Analytics as a Formula for Growth

Pekin Insurance logo

PermataBank reduces fraud losses and improves credit card customer satisfaction with Falcon® Fraud Manager

PermataBank logo

PicPay leverages FICO® Platform to empower its ecosystem

PicPay logo

Pöyry accurately predicts energy supply and demand across all of Europe

Pöyry logo

Fast-moving consumer goods company optimizes product transitions, saving millions of dollars and minimizing waste

Procter & Gamble logo

A top 5 US bank leverages machine learning to responsibly improve credit risk decisions

Prosperity Bank fuels growth with FICO loan origination solution

Prosperity Bank logo

PSECU builds member loyalty and engagement with omnichannel communications across the full customer lifecycle

PSECU logo

How PULSE Network took a proactive approach to debit card fraud and reduced losses by 40%

PULSE logo

Raiffeisen Bank Speeds Underwriting, Reduces Risk in Developing Markets

Raiffeisen Bank International logo

A top member-centric credit union invests in more personalized and effective prescreen campaigns

Riyad Bank automates card application processing and account management

Riyad Bank of Saudi Arabia logo

Royal Bank of Scotland dramatically reduces fraud in two months

Royal Bank of Scotland logo

SA Taxi - Customer Case Study

SA Taxi logo

Samsung Card - Customer Case Study

Samsung Card logo

Santander Brazil spurs post-merger growth with Decision Management solution

Santander Brasil logo

Scotiabank set to reap rewards from customer-centric collections

Scotiabank logo

Shelby County Trustee - Customer Case Study

Shelby County Trustee logo

Shelby County Boosts Tax Collection Productivity with FICO® Debt Manager™ Solution

Shelby County Trustee logo

FICO Optimization Software to Evolve Plant Processing at Shell

Shell logo

Shell drives plant processing eficiency with FICO® Xpress Optimization

Shell logo

Shop Direct Prioritizes the Customer Throughout the Collections Lifecycle

Shop Direct logo

SEB Brings Flexibility and Agility to Health Plan Adjudication with FICO® Solution

Smart Employee Benefits logo

SolarCity Uses FICO® Xpress Optimization Suite to Optimize Distributed Energy Applications

SolarCity logo

Partnering to create an optimized future together

SONDA logo

An international bank uses AI-based biometrics to bring seamless and secure digital platforms to Southeast Asia

How Southwest Airlines ranked #1 in customer satisfaction while staying consistently profitable?

Southwest Airlines logo

Statistics offices optimise for richer data and greater confidentiality

Statistical Office of the Slovak Republic logo

Statnett Ensures Future Power System Using FICO Optimization

Statnett logo

SunTrust transforms origination process and improves customer experience

SunTrust Bank logo

TBC Bank Streamlines Processes, Boosts Sales and Increases Profits with FICO®

TBC Bank logo

TD Canada Trust creates customer-centric view with FICO

TD Canada Trust logo

How to Be Successful with FICO Blaze Advisor Decision Rules Management System

TechBlue logo

Leading communications company strengthens fraud protection and resilience with FICO

Telus logo

Generic collection treatments are less effective and create obstacles to building customer connection

Thames Water logo

UK Bank uncovers profit niches with optimized pricing

The Co-Operative Bank logo

Boosting sales and site traffic, Coca-Cola breaks ground in customer loyalty

The Coca-Cola Company logo

Top 5 Latin American Financial Services Company - Customer Case Study

Toyota Financial Services uses data science to keep thousands of drivers a year from hurting their credit

Toyota Financial Services logo

Singapore’s first digitally native bank achieved rapid growth and scale in record time while managing risk using FICO Platform Capabilities

Trust Bank logo

UBS card center stopped 74% more card fraud

UBS Card Center logo

UK insurer wins back 20% of lapsed policies with FICO

Better risk control helps Portuguese card issuer stay on top

UNICRE logo

Unicredit uses FICO to apply prescriptive analytics to risk management

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Energy firm leverages optimization across the enterprise to maximize value from volatile markets

Uniper logo

Vanquis Bank gains agility, opening new credit possibilities with FICO® Origination Manager

Vanquis Bank logo

Vantiv Streamlines Merchant Onboarding with FICO® Decision Management Suite

Vantiv logo

Ireland’s Leading Health Insurer Overcomes complexity for faster, more profitable claims processing

Vhi Insurance logo

FICO Platform Empowers Volvo's Car Leasing and Sales Innovation

Volvo logo

Russian Retail Bank Increases Agility, Cuts Approval Times Using FICO® Origination Manager

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How WindFarmDesigns can reduce C02 emissions by over 20 million metric tons per year?

WindFarmDesigns logo

Worldpay transforms merchant onboarding with FICO Platform

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Yarra Valley Water dramatically reduces application processing time with FICO® Blaze Advisor®

Yarra Valley Water logo

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