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Swisscard has expanded its collaboration with FICO to enhance its credit limit management strategies for both new and existing credit card customers by implementing AI-powered optimisation technology available on the FICO Platform.
Expanding partnership
The partnership builds on Swisscard's existing use of FICO's platform for onboarding, credit card limit management and customer behaviour analysis. The extended agreement will see Swisscard take advantage of advanced decision optimisation, enabling the company to improve credit limit adjustments in line with its risk policies.
According to Swisscard, the adoption of FICO's AI-driven technology aims to provide greater flexibility for customer spending limits while effectively managing portfolio risk. The solution is expected to support customer satisfaction and loyalty by tailoring credit limits more closely to individual behaviours.
"This new initiative builds on a successful five-year collaboration with FICO, where we have used FICO Platform to continuously improve credit originations," said Nadia Benitez, head of Risk Models, Swisscard. "The decision to expand our partnership with FICO was a natural progression, given FICO's leading position in the decision optimisation space. We look forward to using the power of mathematical optimisation to transform the way we set and manage credit limits."
Consistency and agility
Swisscard has utilised the FICO Platform across various stages of its business operations. Nadia Benitez described how the platform's flexibility improves business processes. "The functionality that we really love from FICO Platform is that we can define the elements of a decision strategy just once and apply them to different areas," Benitez explained. "This helps us to bring consistency across processes. FICO Platform has made us more agile because we can now deploy all our new strategies without any IT intervention."
The ability to standardise decision strategies and deploy them efficiently is described by Swisscard as a key driver in its move to extend the partnership. By reducing dependency on IT resources, the company can test and implement new credit policies more rapidly than before.
AI-powered optimisation
The AI-powered optimisation capabilities form a core component of FICO's offering. The optimisation engine is based on advanced analytic methods that have evolved through decades of experience in automation and risk management. This technology allows companies to analyse a broad range of data to inform high-volume decisions involving credit, risk and personalised limits for customers.
Jens Dauner, vice president of FICO for the DACH region, outlined the projected benefits of the implementation for Swisscard. "We have worked with customers across Europe to deploy AI-powered optimisation technology, with great results," Dauner said. "This new implementation on FICO Platform at Swisscard is projected to drive higher revenues, improve credit card take-up rates, and increase credit card use by the most suitable customer profiles."
FICO reports that its optimisation software is used globally for a wide range of decision processes, and stresses that the technology is natively integrated into its existing platform solution.
Market context
Within the highly competitive Swiss credit card sector, effective credit limit management has become a focal point as providers seek to balance customer spending flexibility with prudent risk controls. Market participants are increasingly using AI and data-driven tools to tailor credit access and foster customer loyalty. For Swisscard, using the FICO optimisation capability is expected to provide a first-mover advantage in the market with a more personalised approach to credit limit setting.
The development is part of a broader trend among financial institutions to automate and personalise customer management processes using advanced analytics and artificial intelligence, with the dual aim of driving operational efficiency and enhancing the customer experience.