Bradesco Expands Payroll Loans 30x to 700 Contracts Using FICO Platform
FICO•Bradesco scaled daily payroll lending from 8 to over 700 contracts with FICO’s platform, expanding its cumulative loan portfolio more than 30-fold and driving payroll loans to 22% of its individual book. FICO’s engine processes eligibility in minutes using APIs, improving risk control and earning Bradesco the 2026 Decision Award.
1. Partnership Enables Massive Payroll Lending Growth
Banco Bradesco leveraged FICO’s decision management platform to increase daily payroll-deductible loan contracts from 8 to over 700, achieving triple-digit growth and expanding its cumulative payroll loan portfolio more than 30-fold. Payroll loans now represent 22% of Bradesco’s individual lending book, broadening credit access for formal-sector workers.
2. Technology Behind the Transformation
FICO’s cloud-native decision orchestrator integrates real-time employment data via APIs from government sources to validate eligibility within minutes. The solution combines advanced analytics, adaptive policy frameworks and automated workflows to maintain high precision, robust risk control and full regulatory compliance at scale.
3. Strategic Implications for FICO
Bradesco’s recognition with the 2026 Decision Award highlights FICO’s platform capabilities and positions the company to win similar large-scale implementations. This validation is likely to drive further adoption among banks seeking digital transformation and automated decisioning solutions.
