FICO Adds Powerful Credit Optimization Tools to AWS Marketplace

AI isn’t the only analytics tool being used to radically reshape performance. Mathematical optimization, the same tool used to optimize global supply chains for the world’s leading retailers and other firms, is increasingly being adopted by banks to balance multiple competing objectives and identify the best actions for credit management.

As one of the leaders in this field, FICO has made three additional solutions available through AWS Marketplace Private Offers. These solutions give financial institutions the tools they need to mathematically optimize credit lines and loan pricing, improving take-up rates and profitability while controlling risk. Making these solutions available through AWS Marketplace provides significant procurement benefits for lenders.

FICO® Credit Line Optimizerenables issuers to fine-tune income and exposure at user-defined risk levels, ensuring sustainable portfolio growth. It reveals how, where, and when adjusting risk tolerance can lead to higher average profit per account – helping issuers maximize returns with confidence. The solution requires little to no IT support. Credit limit strategies can be easily deployed within issuer account management systems.

FICO® Loan Pricing Optimizeruses advanced analytics to determine optimal pricing by balancing revenue, profitability, and volume goals, all while staying aligned with regulatory requirements. The result is a set of data-driven lending strategies that optimize price, term, and loan amount, enhancing profitability and easing compliance through built-in governance and documentation tools. The solution pinpoints the rate combinations most likely to drive the lender’s desired outcomes by modeling the optimal trade-offs between volume and margin, taking into account broader portfolio objectives such as revenue, profitability, and growth.

These solutions have brought remarkable results to credit leaders worldwide. For example:

• HSBC UK and FICO won a prestigious FSTech Award for Best Use of Data Analytics in 2025, based on HSBC UK’s use of AI-powered optimization tools from FICO to design and deploy highly tailored credit line offers to customers. The project resulted in HSBC UK being able to better meet their customers’ needs through access to additional products, with no increase in credit losses.
• The European lender Home Credit used FICO AI-powered optimization to achieve remarkable results: 26% increase in portfolio profit and a 29% increase in new sales.

New Capabilities for Omni-Channel Engagement

In addition, FICO has made its powerful omni-channel communications capability available through AWS Marketplace.

FICO® Platform – Omni-Channel Engagement Capabilityenables lenders to engage with customers 24/7 and meet them in the channel of their choice. Lenders can build customized communication strategies that factor in real-time data, client preferences, regulatory requirements, market conditions, and consumer behavior with the integration of rules-based logic, multi-step workflows, and predictive models and machine learning.

Businesses worldwide use the omni-channel engagement to check suspicious transaction with customers, reducing fraud and scams, and to manage late payers in collections, improving the customer experience and empowering customers to self-serve. For example, Velera, a leading credit union service organization and fintech solutions provider in North America, used FICO Platform – Omni-Channel Engagement Capability to transform its fraud alerting services for 715 financial institutions. This shift has:

• Cut fraud alert times by 85% compared to live agents.
• Resolved 76% of cardholders’ fraud alerts via SMS, email, or voice with no agent needed.
• Automated 46% more outbound contacts and reduced live agent calls by 19%.

All three of these solutions are also available as part of FICO® Platform. FICO Platform provides an open architecture and an integrated set of composable capabilities that span the applied intelligence value chain — from organizing your data to discovering deep new insights — putting this into motion with actions to achieve the desired outcomes and power your customer connections.

“True mathematical optimization is one of the most powerful tools in the credit manager’s arsenal,” said Alexandre Graff, FICO vice president for Global Partners & Alliances. “Our optimization solutions have driven double-digit improvements in revenue and profitability for many lenders worldwide. Together with our powerful omni-channel communications solution, these solutions can take lenders’ use of analytics and automation to a whole new level.”

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