215 FICO Testimonials

“We now have a platform that can seamlessly integrate augmented machine learning, predictive analytics and human expertise. We have increased the accuracy of our forecast and have significantly reduced the time it takes to create it.”

“Our organization needs the smartest technology available to inform our energy production decisions, which is why Xpress models run at the core of a number of our decision processes.”

"Our old tools forced us to switch back and forth between risk and response. With Decision Tree Professional, we were able to look at both simultaneously when selecting variables and cutoffs, identifying the best combination of outcomes. Being able to use multiple outcomes really helped us find opportunities in pockets of our membership database."

“The cloud-based version of Falcon gives us greater flexibility to serve our customers with better fraud protection. We will have greater control over how we communicate with customers when fraud is suspected, which will help us improve the customer journey in a fraud context.”

“We can be quicker to market with making changes. It used to take a number of weeks to make a pricing change for a personal loan product. We can now do that within a number of hours.”

"With FICO's integrated platform, we can get a clear, true picture of the consumer, what their needs and preferences are, how we can satisfy those needs and preferences, and then how we can be sure we're making the most profitable decision for the bank."

“It’s cutting away the noise so we can actually see the fraud.”

“Everything we need to make a loan decision is right at our fingertips. It has definitely simplified operations and made life easier."

"Alternative deal structures are helping convert missed opportunities into deals that maximize profitability. Revenues are also increasing, based on improved loan-to-value rates, multiple payment lengths and specific terms."

"We have leveraged the FICO Score as a component in our account management strategies for years. This analysis proved the value of moving to the FICO 8 version of the score. Even on this limited portion of our card portfolio, the benefits were clear. Applied across all portfolios for marketing, originations and account management strategies, we expect to realize similarly positive results."

“We wanted to find a way to reduce our exposure to FDCPA violations and litigation, while improving collector performance. Now, we can monitor virtually every call. We’re able to quickly isolate compliance issues, improve collector training, and increase collections performance.”

“As Capital One has grown over the years, we have grown our relationship with FICO great people with great products, and then you add the analytics, which is something that augments exactly what we do.”

"Our delinquencies and chargeoffs run below the industry average for other banks of our size. And we attribute that to the efficiencies we achieved by using Debt Manager."

"We needed to have a Decision Management solution that allows us to process front-end decision making on a consistent and efficient basis, and allows us to process large quantities of applications every day."

“We are confident that with FICO Model Builder we have an unmatched combination of modeling power and ease of use.”