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FICO将为数字银行buddybank打造专属决策管理方案

近日,分析软件公司FICO宣布,未来将为智能手机专属移动银行buddybank提供决策管理平台。平台预计将于2017年早些时候在意大利推出,届时buddybank将利用FICO决策管理组合平台对用户资质迅速做出判断,并对贷款发放、消费者管理、数据收集和欺诈预防等方面进行有效管理。

UniCredit旗下的buddybank将会提供现金账户、信用/借记卡、场景化或即时个人贷款,同时也将提供全天候礼宾服务,比如通过电话协助用户预订餐馆、出租车或者进行旅行规划。UniCredit是一家领先的欧洲商业银行,目前业务覆盖17个国家,预计3年内可以成功实现盈利。在登陆意大利市场后,buddybank未来还有可能走向美国和其他几个欧洲国家市场。

FICO集团欧洲、中东与非洲总监Steve Hadaway表示:"UniCredit旗下的buddybank代表了未来移动银行的总趋势。对于这种创业企业来说,拥有一个整合决策解决方案不仅将协助其迅速走向市场,还能为消费者提供最好的贷款决策,有效提高客户服务质量。"

Analytic software firm FICO today announced it is providing the decision management platform for UniCredit's buddybank, a bank project exclusively designed for smartphones. Scheduled to launch in early 2017 in Italy, buddybank will use the FICO? Decision Management Suite to instantly verify customers and manage credit decisions in originations, customer management, collections and fraud.

UniCredit's buddybank will offer current accounts, credit/debit cards and contextual and instant personal loans, as well as a 24/7 concierge service, accessible via chat and phone, that can help with everyday tasks such as restaurant reservations, taxi booking and travel planning. UniCredit, a leading European commercial bank operating in 17 countries, is targeting the break-even point within three years. Following the launch in Italy, UniCredit will explore launching buddybank in the United States, and other countries in Europe.

"UniCredit's buddybank represents the next stage for mobile banking," said Steve Hadaway, FICO's general manager for Europe, the Middle East and Africa. "For start-ups like this, having one integrated decision management solution not only enables a quick launch, it provides the best way to make customer-level credit decisions and deliver a superior customer experience."


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