Grab Finance Leverages FICO Platform to Enhance Credit Accessibility
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1h ago
0mins
Should l Buy FICO?
Source: Businesswire
- Increased Credit Accessibility: Grab Finance has implemented over 22 decision workflows, resulting in nearly a 50% increase in credit eligibility rates for users, enabling 46 million consumers and millions of merchants and drivers to access formal credit more rapidly, significantly improving credit access in Southeast Asia.
- Innovative Technology Application: The solution leverages user behavioral data, such as ride frequency and merchant revenues, combined with the advanced capabilities of the FICO Platform to enable automated pre-approved credit offers, aligning with regional laws and Grab's privacy commitments, thereby promoting financial inclusion.
- Rapid Implementation Results: In less than eight months, FICO successfully delivered phase one of the project across six countries where Grab operates, automating key processes like credit eligibility assessment, showcasing Grab's innovative capabilities in regional credit services.
- Economic Transformation Impact: The success of Grab Finance allows previously 'invisible' drivers and merchants to obtain credit based on their everyday digital behaviors, driving economic transformation, and earning recognition with the 2026 FICO Decision Award for its achievements in financial inclusion.
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Analyst Views on FICO
Wall Street analysts forecast FICO stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FICO is 2070 USD with a low forecast of 1700 USD and a high forecast of 2400 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
11 Analyst Rating
8 Buy
3 Hold
0 Sell
Moderate Buy
Current: 1328.070
Low
1700
Averages
2070
High
2400
Current: 1328.070
Low
1700
Averages
2070
High
2400
About FICO
Fair Isaac Corporation is an applied analytics software company. The Company is focused on using predictive analytics and data science to improve operational decisions. The Company operates through two segments: Scores and Software. The Scores segment includes the Company's business-to-business scoring solutions and services which give its clients access to predictive credit and other scores. This segment includes its business-to-consumer scoring solutions, including its myFICO.com subscription offerings. The Company’s Software segment includes pre-configured analytic and decision management solutions designed for a specific type of business need or process, such as account origination, customer management, customer engagement, fraud detection and marketing as well as associated professional services. This segment includes FICO Platform, a modular software offering designed to support advanced analytic and decision use cases as well as stand-alone analytic and decisioning software.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Grab Finance Leverages FICO Platform to Enhance Credit Accessibility
- Increased Credit Accessibility: Grab Finance has implemented over 22 decision workflows, resulting in nearly a 50% increase in credit eligibility rates for users, enabling 46 million consumers and millions of merchants and drivers to access formal credit more rapidly, significantly improving credit access in Southeast Asia.
- Innovative Technology Application: The solution leverages user behavioral data, such as ride frequency and merchant revenues, combined with the advanced capabilities of the FICO Platform to enable automated pre-approved credit offers, aligning with regional laws and Grab's privacy commitments, thereby promoting financial inclusion.
- Rapid Implementation Results: In less than eight months, FICO successfully delivered phase one of the project across six countries where Grab operates, automating key processes like credit eligibility assessment, showcasing Grab's innovative capabilities in regional credit services.
- Economic Transformation Impact: The success of Grab Finance allows previously 'invisible' drivers and merchants to obtain credit based on their everyday digital behaviors, driving economic transformation, and earning recognition with the 2026 FICO Decision Award for its achievements in financial inclusion.
See More
Grab Finance Enhances Financial Inclusion for Millions
- Credit Eligibility Boost: Grab Finance has increased credit offer eligibility rates by nearly 50% through the implementation of 22 decision workflows, providing faster credit access for over 46 million consumers and millions of merchants and drivers, significantly enhancing financial service accessibility.
- Rapid Transformation Implementation: In less than eight months, Grab Finance successfully deployed the FICO platform across six Southeast Asian countries, automating key processes such as credit eligibility assessment, showcasing its ability to respond quickly in complex markets.
- Innovative Credit Assessment: By leveraging user behavioral data, such as ride frequency and merchant revenues, Grab Finance developed alternative risk models that enable credit access for users previously invisible to traditional banks, driving economic transformation.
- Industry Recognition: Grab Finance received the 2026 FICO® Decision Award for its achievements in financial inclusion, highlighting its capability to effectively integrate compliance requirements at a regional scale, further solidifying its leadership position in the fintech sector.
See More
Equifax Exceeds Q4 Earnings, Raises Annual Profit Forecast
- Upgraded Profit Forecast: Equifax anticipates annual revenue between $6.66 billion and $6.78 billion for 2023, surpassing Wall Street's expectation of $6.59 billion, indicating robust performance amid high interest rates.
- Mortgage Segment Growth: The company reported a 20% increase in U.S. mortgage revenue for Q4, reflecting a rebound in loan demand supported by a resilient labor market and economy, which boosts the need for credit scores and risk assessments.
- Competitive Strategy: Equifax plans to expand its VantageScore mortgage credit score offerings to counter FICO's strategy of selling credit scores directly to lenders, aiming to enhance market share and achieve margin expansion.
- Quarterly Performance Exceeds Expectations: The company posted an adjusted earnings per share of $2.09 for Q4, beating analyst expectations of $2.05, with quarterly revenue reaching $1.55 billion, also above the projected $1.53 billion, showcasing strong financial performance.
See More
FICO World to Feature Mentalist Oz Pearlman Demonstrating Customer Insight
- Event Highlights: FICO World will take place from May 19-22, 2026, in Orlando, Florida, expected to attract over 1,500 business leaders from more than 50 countries to explore the latest breakthroughs in AI and applied intelligence, driving customer management and digital transformation.
- Psychology Meets Business: Oz Pearlman will demonstrate how reading customer signals can enhance authentic connections between businesses and customers, emphasizing the importance of psychology in customer management to improve satisfaction and loyalty.
- AI-Driven Decision Making: Nikhil Behl, President of FICO, noted that AI is reshaping the rules in financial services, with FICO World providing a platform for global leaders to learn from each other and discover new strategies, advancing what is termed the
See More
FICO World 2026 to Showcase AI Innovations in Orlando
- Conference Highlights: FICO World 2026 will take place from May 19-22 in Orlando, Florida, attracting over 1,500 business leaders from more than 50 countries to showcase the latest AI applications and breakthroughs in financial services.
- Psychology and Customer Management: Renowned mentalist Oz Pearlman will perform at the conference, emphasizing the importance of understanding customer behavior to create authentic connections, aligning with FICO's AI-driven software aimed at enhancing customer management capabilities.
- Driving the Intelligence Revolution: As a global leader in analytics software, FICO is committed to optimizing business decisions through predictive analytics technology, protecting 4 billion payment cards from fraud across over 80 countries and enhancing financial inclusion.
- Industry Impact: FICO's solutions are utilized by 90% of top U.S. lenders, and the FICO Score is used in over 40 countries, establishing itself as the standard measure of consumer credit risk, further advancing risk management and credit transparency.
See More
FICO Recognized in Gartner's Decision Intelligence Platforms Report
- Industry Recognition: FICO achieved a second-place ranking in the 2026 Gartner® Critical Capabilities for Decision Intelligence Platforms report, showcasing its outstanding performance across four key use cases: Decision Analysis, Decision Engineering, Decision Science, and Decision Stewardship, thereby reinforcing its leadership position in the industry.
- Strategic Validation: Nikhil Behl, president of FICO, stated that this recognition validates the vision for the FICO Platform, underscoring the company's significance in shaping the future of intelligent enterprises and reflecting the trust customers place in FICO.
- Technological Advantage: The FICO Platform enables customers to compose and operationalize scalable decision services through a business-centric approach, leveraging world-class AI and data streaming capabilities, which enhances decision-making efficiency and business agility.
- Market Impact: This report's release aligns with FICO's recent recognition as a Leader in the 2026 Gartner® Magic Quadrant for Decision Intelligence Platforms, further enhancing FICO's competitiveness and brand influence in the global market.
See More
Grab Finance Leverages FICO Platform to Enhance Credit Accessibility
- Increased Credit Accessibility: Grab Finance has implemented over 22 decision workflows, resulting in nearly a 50% increase in credit eligibility rates for users, enabling 46 million consumers and millions of merchants and drivers to access formal credit more rapidly, significantly improving credit access in Southeast Asia.
- Innovative Technology Application: The solution leverages user behavioral data, such as ride frequency and merchant revenues, combined with the advanced capabilities of the FICO Platform to enable automated pre-approved credit offers, aligning with regional laws and Grab's privacy commitments, thereby promoting financial inclusion.
- Rapid Implementation Results: In less than eight months, FICO successfully delivered phase one of the project across six countries where Grab operates, automating key processes like credit eligibility assessment, showcasing Grab's innovative capabilities in regional credit services.
- Economic Transformation Impact: The success of Grab Finance allows previously 'invisible' drivers and merchants to obtain credit based on their everyday digital behaviors, driving economic transformation, and earning recognition with the 2026 FICO Decision Award for its achievements in financial inclusion.
See More
Grab Finance Enhances Financial Inclusion for Millions
- Credit Eligibility Boost: Grab Finance has increased credit offer eligibility rates by nearly 50% through the implementation of 22 decision workflows, providing faster credit access for over 46 million consumers and millions of merchants and drivers, significantly enhancing financial service accessibility.
- Rapid Transformation Implementation: In less than eight months, Grab Finance successfully deployed the FICO platform across six Southeast Asian countries, automating key processes such as credit eligibility assessment, showcasing its ability to respond quickly in complex markets.
- Innovative Credit Assessment: By leveraging user behavioral data, such as ride frequency and merchant revenues, Grab Finance developed alternative risk models that enable credit access for users previously invisible to traditional banks, driving economic transformation.
- Industry Recognition: Grab Finance received the 2026 FICO® Decision Award for its achievements in financial inclusion, highlighting its capability to effectively integrate compliance requirements at a regional scale, further solidifying its leadership position in the fintech sector.
See More
Equifax Exceeds Q4 Earnings, Raises Annual Profit Forecast
- Upgraded Profit Forecast: Equifax anticipates annual revenue between $6.66 billion and $6.78 billion for 2023, surpassing Wall Street's expectation of $6.59 billion, indicating robust performance amid high interest rates.
- Mortgage Segment Growth: The company reported a 20% increase in U.S. mortgage revenue for Q4, reflecting a rebound in loan demand supported by a resilient labor market and economy, which boosts the need for credit scores and risk assessments.
- Competitive Strategy: Equifax plans to expand its VantageScore mortgage credit score offerings to counter FICO's strategy of selling credit scores directly to lenders, aiming to enhance market share and achieve margin expansion.
- Quarterly Performance Exceeds Expectations: The company posted an adjusted earnings per share of $2.09 for Q4, beating analyst expectations of $2.05, with quarterly revenue reaching $1.55 billion, also above the projected $1.53 billion, showcasing strong financial performance.
See More
FICO World to Feature Mentalist Oz Pearlman Demonstrating Customer Insight
- Event Highlights: FICO World will take place from May 19-22, 2026, in Orlando, Florida, expected to attract over 1,500 business leaders from more than 50 countries to explore the latest breakthroughs in AI and applied intelligence, driving customer management and digital transformation.
- Psychology Meets Business: Oz Pearlman will demonstrate how reading customer signals can enhance authentic connections between businesses and customers, emphasizing the importance of psychology in customer management to improve satisfaction and loyalty.
- AI-Driven Decision Making: Nikhil Behl, President of FICO, noted that AI is reshaping the rules in financial services, with FICO World providing a platform for global leaders to learn from each other and discover new strategies, advancing what is termed the
See More
FICO World 2026 to Showcase AI Innovations in Orlando
- Conference Highlights: FICO World 2026 will take place from May 19-22 in Orlando, Florida, attracting over 1,500 business leaders from more than 50 countries to showcase the latest AI applications and breakthroughs in financial services.
- Psychology and Customer Management: Renowned mentalist Oz Pearlman will perform at the conference, emphasizing the importance of understanding customer behavior to create authentic connections, aligning with FICO's AI-driven software aimed at enhancing customer management capabilities.
- Driving the Intelligence Revolution: As a global leader in analytics software, FICO is committed to optimizing business decisions through predictive analytics technology, protecting 4 billion payment cards from fraud across over 80 countries and enhancing financial inclusion.
- Industry Impact: FICO's solutions are utilized by 90% of top U.S. lenders, and the FICO Score is used in over 40 countries, establishing itself as the standard measure of consumer credit risk, further advancing risk management and credit transparency.
See More
FICO Recognized in Gartner's Decision Intelligence Platforms Report
- Industry Recognition: FICO achieved a second-place ranking in the 2026 Gartner® Critical Capabilities for Decision Intelligence Platforms report, showcasing its outstanding performance across four key use cases: Decision Analysis, Decision Engineering, Decision Science, and Decision Stewardship, thereby reinforcing its leadership position in the industry.
- Strategic Validation: Nikhil Behl, president of FICO, stated that this recognition validates the vision for the FICO Platform, underscoring the company's significance in shaping the future of intelligent enterprises and reflecting the trust customers place in FICO.
- Technological Advantage: The FICO Platform enables customers to compose and operationalize scalable decision services through a business-centric approach, leveraging world-class AI and data streaming capabilities, which enhances decision-making efficiency and business agility.
- Market Impact: This report's release aligns with FICO's recent recognition as a Leader in the 2026 Gartner® Magic Quadrant for Decision Intelligence Platforms, further enhancing FICO's competitiveness and brand influence in the global market.
See More
