FICO has helped Santa deliver this Christmas - the next step in decision management is to see how he could do better next year

Decision science and predictive analytics can enable businesses to make the most of all available data to anticipate customer needs and prescribe the best action.

Adopting machine learning to enhance not just the accuracy of models but also drive efficiency is critical to amplify a key asset - the analytic team – and stay competitive.

While the financial industry transformation features some of the same elements as their retail counterparts, its origins and intra-competitive responses are unique, and the results are still excitingly in flux.