In under eight months, Grab Finance deployed 22 decision workflows powered by the FICO® Platform across six Southeast Asian markets, serving more than 46 million consumers plus millions of merchants and drivers. This implementation increased eligibility for pre-approved credit offers by nearly 50%, leveraging behavioral signals such as ride frequency, merchant revenues and in-app payment history. The project’s rapid time-to-value and regional scope earned Grab Finance a 2026 FICO® Decision Award for Financial Inclusion, underscoring FICO’s ability to operationalize diverse regulatory requirements while delivering contextual, real-time credit decisions within Grab’s superapp ecosystem.

In Q1 2026, FICO reported 16% revenue growth year-over-year and expanded adjusted operating margins by 440 basis points, driven by robust demand for its analytics software in financial services. Mortgage vertical revenues within its B2B segment grew substantially, reflecting an accelerated shift to FICO® Score 10T. Management signaled that direct licensing of FICO 10T to lenders will launch later this year, enabling clients to bypass traditional credit bureau dependencies and reinforcing FICO’s competitive moat through structural repricing and enhanced predictiveness.

More than 40 lenders, including community credit unions and independent mortgage banks, have joined the FICO® Score 10T Adopter Program for non-conforming loans. Participants such as TLC Community Credit Union and Spring EQ report up to 5% higher approval rates without incremental credit risk, or a 17% reduction in delinquencies, by leveraging trended data like rental payment histories. Dual processing with the classic FICO® Score at no extra fee has facilitated seamless integration, driving broader acceptance among mortgage originators and cementing FICO’s leadership in predictive credit scoring.