Case Study: Bank of China achieves 75% faster credit application development and scalable retail lending growth with FICO Blaze Advisor

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

Bank of China, one of China’s largest and most international commercial banks (with over 10,000 branches in China and 600 abroad), moved aggressively into retail lending and shifted origination authority to branches. That rapid expansion created a need for faster, more consistent credit decisions, stronger risk control, and a way for non-technical business owners to update lending policies without heavy IT involvement.

The bank deployed FICO Blaze Advisor to build a Consumer Credit Application System that centralizes business rules in a web-based repository, letting business users manage policies and deploy decisions enterprise-wide. The rules-driven solution reduced development and maintenance time and cost by about 75%, improved speed and consistency in originations, and supported planned retail lending growth (retail lending slated to grow by 150%).

Bank of China