Creative Solutions International Brings Behaviorally Designed Collection Communications to FICO Marketplace

(NYSE:FICO) FICO announced that Creative Solutions International's Collections Marketing Platform is now available on the FICO Marketplace, which is the first decision asset-based marketplace powered by FICO Platform. The listing allows lenders and servicers to operationalize AI by easily discovering, accessing, and deploying pre-built offerings such as AI models, data services, and analytics. Creative Solutions International's Collections Marketing Platform enables financial institutions to move beyond generic, system-generated collection letters to communications designed around customer segmentation, behavioral science, message framing, and decision design, while automating the design, production, and fulfillment process. Once integrated with a lender's collections workflow, the platform ingests daily account files and applies segmentation logic to create letters matched to each account's delinquency stage, account type, and behavioral profile. Creative Solutions manages daily production and fulfillment, refining targeting and creative over time using response and performance data. The platform provides a path from account-level decisioning to customer communication without manual campaign work. Kevin B. Foley, CEO of Creative Solutions International, stated that being part of FICO Marketplace allows their approach to reach lenders and servicers through a trusted decisioning environment, making communications more purposeful using data and behavioral design. Jason Andrew, Chief Revenue Officer at FICO, emphasized that FICO Marketplace enables lenders to bring in partners like Creative Solutions without rebuilding underlying systems. Creative Solutions' behavioral and cognitive design framework has produced measurable results, including a 26% reduction in roll rates, a 15% increase in payment rates, and a 48% improvement in settlements. In a recent test, adding letters to email communications produced a 7.2% payer lift for a settlement population and a 33% payer lift for a pre-sale population compared to email-only. FICO Marketplace connects customers with third-party data, AI and optimization models, and full solutions that can be integrated directly into decisioning workflows. FICO solutions are used by businesses in more than 80 countries, including protecting 4 billion payment cards from fraud. The FICO Score is used by 90% of top US lenders and is available in over 40 other countries.