Applied Intelligence News: BNPL Challenges, e-Agro Success, AI Standards
Welcome to FICO® Applied Intelligence News, your weekly update on innovations, ideas and success stories from the Intelligence Revolution. Here are this week’s highlights.
How FICO Platform Addresses 5 Key Challenges for BNPL
As buy now, pay later (BNPL) adoption accelerates, lenders face mounting challenges: assessing risk for younger consumers with thin credit files, managing regulatory compliance under tightening credit laws, and delivering seamless customer experiences within milliseconds. Success requires sophisticated solutions that balance profitability, risk management, and regulatory requirements.
That’s where FICO’s data-driven innovation comes in. FICO Platform provides integrated solutions across the entire BNPL lifecycle—from initial customer assessment through ongoing portfolio management.
How Bradesco Transformed Its Agribusiness Credit Business
Bradesco’s agribusiness innovation is transforming rural finance with FICO® Platform, granting R$1B+ credit to 52,000+ farmers through digital innovation. The results include 70% faster approvals, transparent AI-powered decisioning and greater financial inclusion for small-midsize agribusiness operations across underserved regions.
Sustained Business Value From AI Requires Standards—And A Way To Enforce Them
Scott Zoldi writes in Forbes: We may live in the “Golden Age of AI”, but striking real gold—sustained business value from investments in artificial intelligence (AI) and generative AI (GenAI)—is still far from a reality for many organizations. An abundance of research bears this out, including a recent study by MIT’s NANDA Initiative, which found that 95% of GenAI pilot projects remain stuck in the pilot stage.
The prognosis, however, isn’t all bad. There is a real, attainable path to achieving solid returns on AI and GenAI investments by adhering to an AI development standard.
That’s the top-line finding in a recent report released by my company, FICO, and Corinium Global Intelligence. The 2025 State of Responsible AI in Financial Services: Unlocking Business Value at Scale revealed that more than 56% of surveyed Chief Analytic Officers (CAOs) and Chief AI Officers (CAIOs) define responsible AI standards as a leading contributor to increasing the return on investment (ROI) of AI and GenAI investments.
The survey demonstrates that sustained business value can be orchestrated and enforced through responsible AI standards.
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