FICO Optimization Solutions for Banking

Document created by on Feb 10, 2016Last modified by on Aug 2, 2016
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To survive and thrive in a completely transformed market, retail banks need to find new approaches that drive new sources of margin, address regulatory issues in a more efficient manner, and re-energize customer engagement via intelligent multi-channel services that reduce churn and balance risk and profits.


There’s also the matter of how to make this happen when new disruptive entrants always seem to be a step ahead with new innovations.


The most savvy retail banks are using optimization to make smarter, more customer-centric decisions, across multiple portfolios and lines of business.


Optimization allows retail banks to add more precision, faster, to their customer-level decisions. From marketing and pricing products, or aligning credit limits with business goals. Even determining the right branch strategy, including what services to provide at each branch.


FICO® Optimization Solutions for Banking have helped hundreds of retail banks uplevel their capabilities, compliance and customer-centricity in the following areas:

  • Marketing Acquisitions
  • Credit Line Management
  • Alternative Deal Structure
  • Authorizations
  • Originations/Onboarding
  • Re-pricing
  • Loan Pricing
  • Retention
  • Fraud Referral
  • Loan Cross-sell and Up-sell
  • Offer Management


FICO Optimization Solutions for Retail Banking are available in the cloud or on-premises. Banks can leverage pre-packaged solutions or use FICO Optimization Modeler to develop their own, to meet their specific needs. For more information, visit