Case Study: Major Southeast Asian Bank achieves unprecedented growth and a unified customer view with FICO Centralized Decisioning

Bank drives unprecedented growth through centralized decisioning powered by machine learning

A major Southeast Asian bank with a decade-long track record set an aggressive goal to grow its digital business tenfold but was held back by legacy, siloed decision-making that prevented a unified customer view and inhibited agile, customer-centric decisioning across marketing, origination, portfolio management and collections.

The bank implemented FICO Centralized Decisioning — a cloud-based platform using FICO Decision Modeler, Decision Management Platform Streaming, custom ML models and Analytics Workbench — and upskilled its data science team for rapid model deployment. In a future-proof, preconfigured environment the bank increased approval rates by more than 40%, processed ten times more applications per day, expanded into thin‑profile and new customer segments, improved profitability and model explainability, and gained the ability to quickly test, monitor and optimize decisions.