HSBC UK and FICO Win FStech Award for Best Use of Data Analytics
HSBC UK and FICO have been awarded the FStech Award for Best Use of Data Analytics for implementing AI-powered optimization tools in credit line decisions. The collaboration enabled HSBC UK to provide more tailored credit offerings to customers while maintaining credit loss levels.
Using FICO Decision Optimiser, part of FICO Platform, HSBC UK developed eight action-effect models to forecast the impact of credit line increases on expected spend, balance build, revenue, and loss. The implementation allowed the bank to better align customer needs with growth plans and responsible lending criteria.
The solution enables processing of millions of variables, helping business users optimize complex decisions with competing objectives in minutes. The project demonstrates FICO's capability to enhance business outcomes through sophisticated decision strategies.
HSBC UK e FICO hanno ricevuto il FStech Award per il Miglior Utilizzo dell'Analisi dei Dati per l'implementazione di strumenti di ottimizzazione basati sull'IA nelle decisioni riguardanti le linee di credito. Questa collaborazione ha permesso a HSBC UK di offrire proposte di credito più personalizzate ai clienti, mantenendo al contempo i livelli di perdita creditizia.
Utilizzando il FICO Decision Optimiser, parte della piattaforma FICO, HSBC UK ha sviluppato otto modelli di azione-effetto per prevedere l'impatto degli aumenti delle linee di credito sulla spesa prevista, sulla costruzione del saldo, sui ricavi e sulle perdite. L'implementazione ha consentito alla banca di allineare meglio le esigenze dei clienti con i piani di crescita e i criteri di prestito responsabile.
La soluzione consente di elaborare milioni di variabili, aiutando gli utenti aziendali a ottimizzare decisioni complesse con obiettivi in competizione in pochi minuti. Il progetto dimostra la capacità di FICO di migliorare i risultati aziendali attraverso strategie decisionali sofisticate.
HSBC UK y FICO han sido galardonados con el FStech Award al Mejor Uso de la Analítica de Datos por implementar herramientas de optimización impulsadas por IA en las decisiones de líneas de crédito. La colaboración permitió a HSBC UK ofrecer propuestas de crédito más personalizadas a los clientes, manteniendo al mismo tiempo los niveles de pérdidas crediticias.
Utilizando el FICO Decision Optimiser, parte de la Plataforma FICO, HSBC UK desarrolló ocho modelos de acción-efecto para prever el impacto de los aumentos de las líneas de crédito en el gasto esperado, la construcción de saldos, los ingresos y las pérdidas. La implementación permitió al banco alinear mejor las necesidades de los clientes con los planes de crecimiento y los criterios de préstamo responsable.
La solución permite procesar millones de variables, ayudando a los usuarios de negocios a optimizar decisiones complejas con objetivos en competencia en minutos. El proyecto demuestra la capacidad de FICO para mejorar los resultados empresariales a través de estrategias de decisión sofisticadas.
HSBC UK와 FICO는 신용 한도 결정에 AI 기반 최적화 도구를 구현하여 데이터 분석 최우수 활용을 위한 FStech Award를 수상했습니다. 이 협업을 통해 HSBC UK는 고객에게 보다 맞춤화된 신용 상품을 제공하면서 신용 손실 수준을 유지할 수 있었습니다.
FICO Decision Optimiser를 사용하여, FICO 플랫폼의 일환으로 HSBC UK는 신용 한도 증가가 예상 지출, 잔액 증가, 수익 및 손실에 미치는 영향을 예측하기 위해 여덟 개의 행동-효과 모델을 개발했습니다. 이 구현을 통해 은행은 고객의 요구와 성장 계획 및 책임 있는 대출 기준을 더 잘 일치시킬 수 있었습니다.
이 솔루션은 수백만 개의 변수를 처리할 수 있게 하여 비즈니스 사용자가 경쟁하는 목표를 가진 복잡한 결정을 몇 분 안에 최적화하도록 돕습니다. 이 프로젝트는 FICO가 정교한 의사 결정 전략을 통해 비즈니스 결과를 향상시킬 수 있는 능력을 보여줍니다.
HSBC UK et FICO ont été récompensés par le FStech Award pour la Meilleure Utilisation de l'Analyse des Données pour la mise en œuvre d'outils d'optimisation alimentés par l'IA dans les décisions concernant les lignes de crédit. Cette collaboration a permis à HSBC UK d'offrir des propositions de crédit plus personnalisées aux clients tout en maintenant les niveaux de pertes de crédit.
En utilisant le FICO Decision Optimiser, qui fait partie de la plateforme FICO, HSBC UK a développé huit modèles d'action-effet pour prévoir l'impact des augmentations de lignes de crédit sur les dépenses prévues, la constitution de solde, les revenus et les pertes. La mise en œuvre a permis à la banque de mieux aligner les besoins des clients avec les plans de croissance et les critères de prêt responsable.
La solution permet de traiter des millions de variables, aidant ainsi les utilisateurs professionnels à optimiser des décisions complexes avec des objectifs concurrents en quelques minutes. Le projet démontre la capacité de FICO à améliorer les résultats commerciaux grâce à des stratégies de décision sophistiquées.
HSBC UK und FICO wurden mit dem FStech Award für die beste Nutzung von Datenanalytik ausgezeichnet, da sie KI-gestützte Optimierungstools bei Entscheidungen über Kreditlinien implementiert haben. Die Zusammenarbeit ermöglichte es HSBC UK, den Kunden maßgeschneiderte Kreditangebote zu unterbreiten und gleichzeitig die Kreditverlustraten aufrechtzuerhalten.
Durch die Nutzung des FICO Decision Optimiser, der Teil der FICO-Plattform ist, entwickelte HSBC UK acht Aktions-Wirkungsmodelle, um die Auswirkungen von Erhöhungen der Kreditlinien auf die erwarteten Ausgaben, den Saldoaufbau, die Einnahmen und Verluste vorherzusagen. Die Implementierung ermöglichte es der Bank, die Bedürfnisse der Kunden besser mit den Wachstumsplänen und den Kriterien für verantwortungsvolles Kreditverhalten in Einklang zu bringen.
Die Lösung ermöglicht die Verarbeitung von Millionen von Variablen und hilft den Geschäftsanwendern, komplexe Entscheidungen mit konkurrierenden Zielen in Minuten zu optimieren. Das Projekt zeigt die Fähigkeit von FICO, Geschäftsergebnisse durch ausgeklügelte Entscheidungsstrategien zu verbessern.
- Implementation resulted in improved credit access for customers without increasing credit losses
- Successfully developed 8 action-effect models for forecasting credit strategy impacts
- Enhanced decision-making capability for credit line increases
- Received industry recognition through FStech Award win
- None.
Leading
More information: https://www.fstech.co.uk/awards/winners25.php
“Our focus is primarily how we can support our customers and improve their overall experience with us. The implementation of this new technology is a great example of our people-centric approach, as we consistently look for opportunities to be more effective for our customers,” said Michael Roberts, head of Unsecured Retail Risk, HSBC
HSBC
“HSBC
FICO® Decision Optimiser is part of FICO® Platform, and gives organisations access to the most comprehensive enterprise optimisation capability in the market today. It enables multiple stakeholders across data science, operations research, business staff, and IT to collaborate and rapidly create, validate, and launch optimisation solutions. Millions of variables can be processed at great speed and scalability, enabling business users to make better decisions for complex problems with competing objectives in minutes. FICO Platform is a next-generation, applied intelligence platform to power customer connections.
Now in its 25th year, the FStech Awards recognise and celebrate companies which have demonstrated excellence and innovation within the
About HSBC
HSBC
HSBC Holdings plc, the parent company of HSBC, is headquartered in
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by
FICO is a registered trademark of Fair Isaac Corporation in the
View source version on businesswire.com: https://www.businesswire.com/news/home/20250410322767/en/
For further press information please contact:
FICO
Wendy Harrison/Parm Heer
ficoteam@harrisonsadler.com
0208 977 9132
Source: FICO
FAQ
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