Case Study: Global Bank achieves minute-speed strategy changes, lower IT costs and stronger customer insights with FICO's Centralized Decision Service

Centralized Decisions for Customer Engagement

A global bank that had reorganized to centralize customer decisions found its legacy, decentralized decision systems were slowing strategy changes, costing about $300,000 and eight months per change, and preventing effective use of unstructured and big data. The institution needed faster, lower-cost ways to turn diverse data into customer-level insights and to empower business users without heavy IT dependence.

The bank implemented FICO’s Centralized Decision Service—Blaze Advisor plus Decision Management Platform Streaming—to ingest and wrangle data from bureaus, Hadoop and a data lake, create a shared variable library, automate high-volume decisions, and provide governance and business-user control. The result: strategy changes now take minutes instead of months, substantial IT and licensing cost reductions, real-time and batch processing at scale (supporting ~1,000 tps), improved customer insights and consistency, and faster time-to-market for personalized engagement.