Case Study: Major Regional Bank achieves 3x credit card acquisitions and 15% higher cross-sell with FICO Retail Bank Offer Manager

Major bank builds an innovative platform to drive profitable credit card growth

A super‑regional bank facing low card penetration and shifting consumer credit behavior set an ambitious goal to double its retail credit card portfolio in 3–5 years. To do so it needed to replace a plain‑vanilla product line, aggregate large volumes of customer data, and build an integrated, high‑volume acquisition and origination infrastructure rather than operate in silos.

FICO deployed its Retail Bank Offer Manager—an integrated marketing and underwriting platform with an Analytic Learning Hub—to pre‑approve and match profitable customers to the right offers, accelerate feedback, and adapt underwriting in real time; the solution went live in under 10 months. Within 12 months acquisition volume tripled, cross‑sell penetration rose 15%, average balances increased 8%, and the program was expanded into auto, unsecured personal lines, and home‑equity credit.