No industry has reaped more benefits from Fair Isaac innovation than payment cards. We provide the most trusted systems for managing decisions throughout the customer lifecycle, from prospecting to pricing, from cross-selling to collections.
Today, 49 of the top 50 US card issuers use Fair Isaac technology, as do 75 of the top 100 issuers in the world. Our solutions manage and protect 65% of all credit cards worldwide, and 85% of all US credit cards are protected through our fraud solutions. More than 30% of US bankcard applications are processed using our originations platform.
What can you expect from Fair Isaac payment card solutions?
Our clients choose Fair Isaac because they want to work with a leader that understands the global cards business. Learn more about how we can help at each stage of the customer lifecycle.
Precision Marketing
Sending the right message to the right people - through the right channel, at the right point in time - speaks to Fair Isaac's core competitive strength. We call it precision marketing.
What truly sets us apart are the advanced analytics we infuse into every marketing decision. Analytics that drive marketing improvement by orders of magnitude for more than 5 million real-time marketing offers, 11,000 marketing campaigns, 2 billion customer records, and 222 billion database updates, with more than 4 billion consumer transactions annually.
Originations
Fair Isaac integrates application processing software with decision management systems and advanced analytics to help lenders increase their approval rates, lower their credit losses and reduce their processing expenses. Our solutions range from high-performance, high-volume systems such as Capstone® Decision Manager to hosted solutions such as LiquidCredit® service for smaller lenders.
We also provide world-class scoring from our industry-standard FICO® score to custom originations scoring on a global basis. Our solutions draw more value from credit bureau, application and customer data, so you can sharpen your critical acceptance, pricing and cross-sell decisions.
Customer and Account Management
Lenders worldwide use Fair Isaac adaptive control systems to make more than 40 billion account and customer decisions each year-including important cross-selling decisions based on enhanced transaction and risk analytics. And we've introduced new analytic innovations to account management, including data-driven strategy optimization, transaction scoring and event-triggered score delivery.
Fraud Management
The unmatched speed and intelligence of Fair Isaac fraud solutions, powered by the Fair Isaac Fraud Consortium, helps credit card and debit card issuers stay ahead of new fraud trends. With Falcon™ Fraud Manager's neural net models, transaction processing and case management, we protect 65% of all credit cards worldwide, and address multiple types of fraud, including account takeover, counterfeit, and lost/stolen. Now Falcon Fraud Manager brings new data sources, such as merchant profiles, to fraud decisions improving the likelihood of identifying a fraudulent transaction.
Collections & Recovery
Fair Isaac offers premier, end-to-end collections capabilities incorporating workflow, analytic and partner networking capabilities. Fair Isaac provides the first and only customer-centric collection and recovery solution, Debt Manager™ solution, along with Recovery Management System™ solution, which manages recovery of debt through the later phases of the receivables lifecycle.
Over 70% of US charged-off consumer debts are processed through Fair Isaac workflow systems, and clients using Fair Isaac collection and recovery scores can experience improved efficiency up to 20%.
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