Grab Finance has leveraged the FICO Platform to roll out 22 automated decision workflows across six Southeast Asian markets in under eight months, serving more than 46 million consumers plus merchants and drivers. By incorporating in-app behavioral signals—such as ride frequency, merchant transaction volumes and payment history—into its risk models, Grab Finance has lifted credit offer eligibility rates by nearly 50%. This initiative earned Grab Finance the 2026 FICO Decision Award for Financial Inclusion and illustrates how platform-based lenders can rapidly extend formal credit to previously underserved segments while maintaining compliance across varied regulatory jurisdictions.

FICO announced that over 40 community and non-conforming mortgage lenders have joined its Score 10T Adopter Program, marking a clear shift toward predictive, data-driven credit scoring in home lending. Early adopters report up to a 5% increase in loan approvals without elevating risk and as much as a 17% reduction in delinquencies by incorporating trended data such as rental payment history. This wave of adoption—which includes credit unions, regional banks and the first HELOC specialist to implement Score 10T—reinforces FICO’s positioning as a competitive moat builder, helping partners improve portfolio discipline and responsibly expand access to sustainable homeownership.

In Q1 2026, FICO delivered 16% year-over-year revenue growth and expanded operating margins by 440 basis points, driven in part by strong B2B mortgage analytics sales and the impending launch of its FICO Score 10T direct licensing model. Management highlighted that direct licensing will enable clients to bypass traditional credit bureaus and further embed FICO’s analytics into their own ecosystems, reinforcing the company’s long-term pricing power. With guidance for full-year earnings set at approximately 38 EPS and a robust balance sheet that supports continued investment in product innovation, FICO’s valuation remains attractive relative to its durable growth trajectory and structural advantages in the global credit decisioning market.