Case Study: Banreservas achieves 80% automated loan decisioning and 50% faster processing with FICO Origination Manager

Major Dominican bank leverages automation to standardize credit assessments, reduce costs, and improve the customer experience

Banreservas, the Dominican Republic’s largest government-owned bank with 250+ branches, faced rapid retail credit growth but lacked automated, centralized credit evaluation. This left the bank with inconsistent response times, limited control over credit policies, rising delinquency risk, and a need to improve the customer experience.

Partnering with FICO and deploying FICO® Origination Manager plus custom scoring models and rules management, Banreservas automated decisioning and standardized evaluations across channels. The bank now auto-assesses 80% of applications, increased processing capacity by 30%, cut loan processing time by 50%, offered upsells to 47% of approved applicants, and reduced delinquency and costs, earning recognition in FICO’s Decisions Awards.

Banreservas