Grab Finance, the financial arm of Southeast Asia’s leading superapp, has leveraged the FICO Platform to deploy 22 automated decision workflows across six countries in under eight months. This implementation has enabled more than 46 million consumers, plus millions of drivers and merchants, to access formal credit faster, boosting credit offer eligibility rates by nearly 50%. By incorporating behavioral signals—such as ride frequency, merchant revenues and in-app payment history—Grab Finance can deliver contextual, real-time, pre-approved credit offers while complying with local regulations and privacy commitments. The project earned Grab Finance the 2026 FICO Decision Award for Financial Inclusion, recognizing its regional scale and integrated compliance framework.

Over 40 lenders have joined the FICO Score 10T Adopter Program for non-conforming mortgage loans, driven primarily by community and regional banks serving underserved markets. Early adopters include TLC Community Credit Union, Spring EQ—the first HELOC lender to implement the model—and William Raveis Mortgage. FICO Score 10T’s trended data analytics have delivered up to 5% more loan approvals without added risk and reduced delinquencies by as much as 17%. Lenders receive dual processing of Score 10T alongside the Classic Score at no extra fee, facilitating seamless evaluation and transition to the more predictive model.

In Q1 2026, Fair Isaac Corporation reported 16% year-over-year revenue growth and a 440 basis-point expansion in operating margins, driven by robust demand for its B2B mortgage analytics and the upcoming direct licensing of FICO Score 10T. Mortgage revenue surged as lenders prepared for imminent regulatory shifts, while the prospect of bypassing credit bureaus through direct Score 10T licensing is expected to further strengthen FICO’s competitive moat. Management reaffirmed full-year guidance and highlighted structural pricing power that decouples earnings from traditional credit cycles, positioning the company for sustained long-term durability.