FICO

FICO, officially known as Fair Isaac Corporation, started as Fair, Isaac and Company. This data analytics firm is located in Bozeman, Montana, and specializes in credit scoring solutions. Founded in 1956 by Bill Fair and Earl Isaac, FICO is best known for its FICO score, which assesses consumer credit risk and has become an essential part of the lending process in the United States.

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2025 Predictions for AI and GenAI: The Golden Age of AI - and How to Keep the Goose Golden

Jan 16, 2025 | fico.com | Scott Zoldi

There’s no doubt about it – 2025 feels like we are entering the golden age of artificial intelligence (AI), as business’ intense investments in AI and generative AI (GenAI) are yielding bona fide gains in productivity and revenue growth. So how do we get the golden goose (the one in Aesop’s fable, not the curiously expensive sneakers) to keep laying eggs of AI gold?
Meet The 2025 FICO Decisions Awards Winners!

Jan 14, 2025 | fico.com | Nikhil Behl

2025 FICO Decision Award Winners - Decisions That MatterIt’s a privilege to announce the outstanding winners of the 2025 FICO® Decision Awards!This year’s entries spotlighted remarkable advances in technology and strategy, revealing how organizations around the world are meeting complex challenges with creativity and grit. Our 15 winners across 10 award categories are setting new standards in digital transformation and data-driven decision-making.
2025 Predictions for AI and GenAI: Responsibility, Rekindled

Nov 21, 2024 | fico.com | Scott Zoldi

I predict that in 2025, companies will return to responsible operationalization of AI and GenAI to improve their business. Responsible AI Will Be RevisitedIf you follow me on LinkedIn, you know that Responsible AI is a big topic for me. I first predicted the rise of Explainable AI, a key component of Responsible AI, in 2017. The excitement around ChatGPT the past couple of years has moved responsible use of AI down on corporate priority lists.
What Is Responsible AI?

Nov 12, 2024 | fico.com | Scott Zoldi

Today, artificial intelligence (AI) technology underpins decisions that profoundly affect everyone. This brings great opportunities but also creates risks. That has given greater focus to the practice of Responsible AI. Responsible AI ensures that AI systems and machine learning (ML) models are robust, explainable, ethical and auditable.
What Is Applied Intelligence and How Does It Work?

Nov 7, 2024 | fico.com | Bill Waid

In a time when every software provider is hyping their artificial intelligence, and the use of AI has gone from the province of data scientists to your relatives and friends, related terms might be confusing or even seem redundant. Applied intelligence fits this bill – is this just another term for AI? In fact, applied intelligence has a separate meaning, one that is very important not only to businesses but to the success of AI itself.
Open Banking: What's Next for the US & Canada?

Oct 30, 2024 | fico.com | Darryl Knopp

Open banking is one of my favorite topics, and it’s really been heating up this month. On October 22, the US Consumer Financial Protection Bureau (CFPB) released its final open banking rule — the same day, a lawsuit was filed challenging the rule. With the recent developments, where are we? Who is leading…or lagging? Open banking regulations have been put into place in various countries and jurisdictions throughout the world: the UK, European Union, Australia, Brazil, Japan, Singapore, and others.
Optimizing Device Financing Sheds Cost, Drives Revenue

Oct 17, 2024 | fico.com | Matt Stanley

Mobile operators have succeeded tremendously with device financing since introducing it in the early 2010s. As their offerings have become more complex, risk management processes relating to financing have been tested. With more devices and types in play, operators are forced to make more decisions about the creditworthiness of each customer, not just on a transactional basis, but account-wide and long-term.
IDC MarketScape Highlights Growth of Decision Intelligence Platforms

Oct 10, 2024 | fico.com | Bill Waid

While different forms of decision support software have been around for many years – most often as siloed, departmental applications – customer interest has reached a whole new level since we launched FICO Platform years ago. Back in 2015 companies spent $1.75 trillion worldwide on IT to improve operational efficiency and aid decision-making; that more than doubled to $3.88 trillion in 2023… and is expected to triple to $5.29 trillion by 2032, according to research firm EMR.
Bradesco Boosts Conversions with Hyper-Personalized Credit Solutions

Sep 17, 2024 | fico.com | Nikhil Behl

At FICO World 24, Bradesco shared how its innovative approach to hyper-personalized credit solutions is achieving significant business results. By leveraging FICO’s advanced decision engine, Bradesco is delivering tailored credit options that meet individual customer needs in real time—resulting in higher conversion rates, greater customer engagement, and enhanced satisfaction.
Bank Mandiri Strengthens Digital Banking Security in Indonesia, Cuts Fraud 80%

Sep 16, 2024 | fico.com | Nikhil Behl

Bank Mandiri, Indonesia’s largest financial institution, is using the industry-leading capabilities of FICO® Falcon® Fraud Manager and the FICO® Falcon® Intelligence Network to safeguard all transactions across its retail channels, including booming digital platforms in a continuously evolving fraud landscape.