HSBC UK and FICO have won the 2025 FStech Award for Best Use of Data Analytics, recognizing their collaboration on using AI-powered FICO optimization tools to enhance customer credit line offers. The partnership allowed HSBC UK to design highly personalized credit increase strategies aligned with customer needs, responsible lending practices, and the bank’s growth objectives—resulting in improved access to credit products without increased credit losses.

By integrating FICO’s Decision Optimiser, HSBC UK’s team developed a strategy framework with eight predictive models to assess customer responses to various credit line increases. These models forecasted outcomes like spending behavior, revenue, and risk, enabling data-driven, customer-centric decisions.

FICO’s Decision Optimiser is part of its broader enterprise platform that helps organizations create and deploy advanced optimization solutions. The tool empowers collaboration among data scientists, business leaders, and IT teams to solve complex decision-making challenges.

This award underscores both companies’ leadership in using analytics to enhance customer experience and operational efficiency in the financial services sector.