Case Study: BAC achieves personalized, cloud-based decisioning with FICO Platform

BAC boosts Extrafinanciamiento usage 200% with FICO

Banco de América Central (BAC), a leading financial services provider in Central America, partnered with FICO to enhance its decision-making capabilities. The bank sought to move beyond siloed operations and adopt a more unified, customer-centric approach to better manage credit risk and personalize its financial offerings.

By migrating to the cloud-based FICO Platform, BAC gained a flexible decision engine to implement strategies across various customer scenarios. This FICO solution provided a 360-degree view of clients, enabling faster, data-driven decisions. As a result, BAC’s Extrafinanciamiento product now constitutes 35% of its credit card portfolio, enjoys a 200% increase in usage, and has achieved a Net Promoter Score of 93.

Banco de América Central, BAC