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Evaluates disposable income, expenses, and repayment capacity based on bank data.

Evaluates disposable income, expenses, and repayment capacity based on bank data.

Real-time open banking service delivering normalised bank account and transaction data, enriched with transaction categorisation and merchant identification.

Transaction enrichment engine that categorises bank transactions.

Verifies salary, benefits and recurring income streams based on bank data.

Verifies salary, benefits and recurring income streams based on bank transaction data.

Actionable Intelligence from Human Interactions

Complete identity verification

Score every applicant with consumer-permissioned and consented smartphone metadata

Anytime, Anywhere Risk Assessment

Pursue Portfolio Growth with More Confidence

Combat identity fraud with sophisticated scoring

Verify the Business Without Delays

Stop AI-driven fraud and rogue agents with real-time, explainable risk orchestration.

Accelerate Portfolio Growth with Confidence

A smarter approach to risk management

Confirm the person behind every payment and approve more good transactions with confidence.

All the Data You Need, Aggregated in One Place

Continuous monitoring of your portfolio enables you to scale with confidence

Accelerate onboarding and flag risk automatically. Streamline partner onboarding while detecting high-risk applicants from day one – using automated insights and scoring in a single integrated platform.

Take the next step

Connect with FICO to learn how to accelerate innovation and unlock time-to-value from decision assets, including AI, by accessing FICO Marketplace from FICO Platform.