Case Study: Banco de América Central (BAC) achieves 30% fewer data submissions and a 93 NPS with FICO® Platform

BAC’s Cloud Transformation Empowering Decisions and Customers

BAC, Central America’s largest financial group, sought to expand access to financial services for underserved populations while improving operational efficiency and customer engagement through a digital transformation. Facing low financial inclusion across the region, the bank aimed to move from product-centric operations to a life‑centric, data-driven approach that could scale and adapt to customer needs.

By migrating to the FICO® Platform in the cloud and applying predictive analytics and decisioning capabilities, BAC gained a 360° view of customers and faster, more flexible decisioning. The transformation cut data submissions by 30%, delivered ISO/SOC2/PCI compliance and supplier‑managed upgrades, and boosted its flagship product Extrafinanciamiento to 35% of the credit card portfolio (20% of customers, a 200% usage increase) with an NPS of 93 and materially lower delinquency—while empowering business users and improving availability.

Banco de América Central, BAC

Piery Garos Sandino

Senior Assistant Manager Platforms and Projects