{"id":839700,"date":"2025-04-22T04:03:07","date_gmt":"2025-04-22T08:03:07","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-platform-helps-lloyds-banking-group-say-yes-to-more-customers\/"},"modified":"2025-04-22T04:03:07","modified_gmt":"2025-04-22T08:03:07","slug":"fico-platform-helps-lloyds-banking-group-say-yes-to-more-customers","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-platform-helps-lloyds-banking-group-say-yes-to-more-customers\/","title":{"rendered":"FICO Platform Helps Lloyds Banking Group Say Yes to More Customers"},"content":{"rendered":"<p>        <!--.bwalignc { text-align: center; list-style-position: inside }\n.bwlistdisc { list-style-type: disc }body {font:normal small Arial,Helvetica,sans-serif;color:#000;background-color:#fff;padding:24px;margin:0;} a img {border:0;} h3 {font-size:medium;color:#000;margin:0 0 1em 0; text-align:center;}-->  <\/p>\n<p class=\"bwalignc\"><b>FICO Platform Helps Lloyds Banking Group Say Yes to More Customers<\/b><\/p>\n<p class=\"bwalignc\"><i>Leading UK high street banking group uses FICO<sup>\u00ae<\/sup> Platform to meet customer lending needs 24\/7<\/i><\/p>\n<p>LONDON&#8211;(<a href=\"http:\/\/www.businesswire.com\">BUSINESS WIRE<\/a>)&#8211;<b>FICO (NYSE: FICO):<\/b><\/p>\n<p><b>Highlights:<\/b><\/p>\n<ul class=\"bwlistdisc\">\n<li>\nMore than \u00a37B in annual lending at Lloyds Banking Group is powered by FICO<sup>\u00ae <\/sup>Platform\n<\/li>\n<li>\nData ingestion of real-time bureau data drove a 2.5% credit card approval uplift and doubled new-to-bank consumer loan approvals\n<\/li>\n<li>\n50+ system limitations and pain points resolved, with more to follow\n<\/li>\n<li>\nLBG wins 2025 FICO\u00ae Decision Award for Cloud Deployment\n<\/li>\n<\/ul>\n<p>\nAs part of an ambitious programme to move its lending infrastructure to the cloud, <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.lloydsbankinggroup.com%2F&amp;esheet=54239589&amp;newsitemid=20250422894111&amp;lan=en-US&amp;anchor=Lloyds+Banking+Group+%28LBG%29&amp;index=1&amp;md5=3b0d155b2a830d4e56369db6f1c2f427\">Lloyds Banking Group (LBG)<\/a> has transformed its operations with <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.fico.com%2Fen%2Ffico-platform&amp;esheet=54239589&amp;newsitemid=20250422894111&amp;lan=en-US&amp;anchor=FICO%26%23174%3B+Platform&amp;index=2&amp;md5=9ebff1d568a9cb7c468ddc7ca01e6e61\">FICO\u00ae Platform<\/a>, enabling over \u00a37 billion in annual loans. By leveraging real-time data ingestion and advanced analytics, the platform has helped to drive a 2.5% credit card approval uplift, double new-to-bank consumer loan customers, and resolve over 50 system limitations \u2014 delivering faster, smarter, and more efficient lending decisions across products.\n<\/p>\n<p>\nMore information: <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.fico.com%2Fen%2Ffico-platform&amp;esheet=54239589&amp;newsitemid=20250422894111&amp;lan=en-US&amp;anchor=https%3A%2F%2Fwww.fico.com%2Fen%2Ffico-platform&amp;index=3&amp;md5=5415cb27dd77aaca85ea92cdd072c66b\">https:\/\/www.fico.com\/en\/fico-platform<\/a><\/p>\n<p>\nThis transformation addressed the limitations of LBG\u2019s aging lending infrastructure, which struggled to support growth and evolving customer needs. Fragmented systems created inconsistencies across digital channels and made it difficult to integrate new data assets essential for responsible lending, scalability, and sustainability.\n<\/p>\n<p>\n\u201cIt became clear that our lending infrastructure was becoming a barrier to the strategic growth ambitions of the bank,\u201d noted <b>Ian Rockliffe, head of Consumer Credit Risk Transformation at Lloyds Banking Group<\/b>. \u201cWe needed the ability to scale to meet our customers\u2019 needs within the digital channels. We also needed to bring in new data assets to support growth, sustainability and enhance our responsible lending position.\n<\/p>\n<p>\n\u201cWorking with FICO we have been able to simplify the whole technology estate and implement a market-leading cloud-based infrastructure. This delivers major technology enhancements and other significant benefits. We serve one out of every two households in the UK, and these changes help us say \u2018yes\u2019 to more customers.\u201d\n<\/p>\n<p>\nThis major transformation has delivered several firsts for LBG, including the launch of a new cloud-based application viewer for underwriters and other teams. Since going live on FICO\u00ae Platform, LBG has introduced a significant bureau data upgrade that was completed in weeks\u2014compared to months in the past\u2014highlighting the platform\u2019s ability to accelerate innovation and operational efficiency.\n<\/p>\n<p><b>Nikhil Behl, president, Software at FICO<\/b>, <b>added<\/b>: \u201cNot only has the new integration helped LBG to fundamentally change its technology, the Group has also adopted a truly agile approach when delivering technical and business change. Upgrades no longer take months or years, but can be completed within minutes and days, providing significant operational efficiencies.\u201d\n<\/p>\n<p>\nWith FICO Platform, LBG used the opportunity to mathematically optimise its strategies, and rules and can now share logic and components across portfolios, enabling a more consistent customer experience, and accelerating speed of change.\n<\/p>\n<p><b>Modernizing Legacy Systems with Seamless Integration<\/b><\/p>\n<p>\nLBG had more than 20 on-premises applications and complex data flows in its legacy lending infrastructure. The project required a large data mapping exercise to understand where derivations or changes to the data could be occurring through the various systems and what these would look like going forward. This enabled LBG and FICO to prepare downstream users of the data for changes, or amend the new data in order to not impact them at all. \u201cThis was a huge undertaking, given the prevalence of the decision data and bureau data across the business, but implementation was efficient and seamless,\u201d<b> said Rockliffe.<\/b><\/p>\n<p>\n\u201cWe are already seeing great results on loans due to the bureau data upgrade, and expect to see the same on cards,\u201d <b>Rockliffe added.<\/b> \u201cOur new lending infrastructure, with FICO Platform at its core, has allowed us to scale and adapt to deliver another key strategic delivery for the group, bringing eligibility assessments in-house for credit cards. Importantly, we are also seeing robust performance of the new architecture, ensuring we are there to meet the lending needs of our customers 24\/7.\u201d\n<\/p>\n<p>\nFor its achievements, LBG won a 2025 FICO\u00ae Decision Award for Cloud Deployment.\n<\/p>\n<p>\n\u201cLloyds\u2019 achievement goes far beyond a typical system upgrade \u2014 it\u2019s a transformation that redefines what\u2019s possible with cloud technology in banking. The judges were particularly impressed by the team\u2019s ability to tackle legacy complexity with a data-driven approach, using decision intelligence to modernize decision-making at scale,\u201d <b>said Megha Kumar, research vice president at IDC and one of the FICO Decision Awards judges.<\/b><\/p>\n<p>\nTo see the full list of 2025 FICO Decisions Awards winners, check out: <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.fico.com%2Fen%2Fdecisionawards&amp;esheet=54239589&amp;newsitemid=20250422894111&amp;lan=en-US&amp;anchor=https%3A%2F%2Fwww.fico.com%2Fen%2Fdecisionawards&amp;index=4&amp;md5=53376a349d6b5148e56524ad4e1dd9dc\"><b>https:\/\/www.fico.com\/en\/decisionawards<\/b><\/a><\/p>\n<p><b>About Lloyds Banking Group<\/b><\/p>\n<p>\nLloyds Banking Group is a leading UK-based financial services organization, serving over 30 million customers through a family of well-known brands, including Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows. With a heritage spanning more than 320 years, the Group focuses on retail and commercial banking, offering a wide range of financial services to households, businesses, and communities across the UK. Committed to &#8220;Helping Britain Prosper,&#8221; Lloyds Banking Group aims to support the financial well-being of its customers and contribute to the nation&#8217;s economic growth.\n<\/p>\n<p><b>About the FICO\u00ae Decisions Awards<\/b><\/p>\n<p>\nThe FICO Decisions Awards recognize organisations that are achieving remarkable success using FICO solutions. A panel of independent judges with deep industry expertise evaluates nominations based upon measurable improvement in key metrics; demonstrated use of best practices; project scale, depth and breadth; and innovative uses of technology. The 2025 judges are:\n<\/p>\n<ul class=\"bwlistdisc\">\n<li><b>Regan Goble,<\/b> risk analytics senior manager at Westpac NZ (Previous Winner)\n<\/li>\n<li><b>Megha Kumar, <\/b>research vice president at IDC\n<\/li>\n<li><b>Joe McKendrick, <\/b>analyst and senior contributor at Forbes\n<\/li>\n<li><b>Luiz Pacete,<\/b> technology and marketing industry influencer\n<\/li>\n<li><b>Ali Paterson, <\/b>founder and editor-in-chief at Fintech Finance\n<\/li>\n<li><b>Mike Roberts, <\/b>head of unsecured retail risk at HSBC UK bank (Previous Winner)\n<\/li>\n<li><b>Erin Stillwell, <\/b>head of strategic partnerships and engagements at TSYS (Previous Winner)\n<\/li>\n<li><b>Allan Tan, <\/b>group editor-in-chief at Cxociety\n<\/li>\n<\/ul>\n<p>\nThe winners of the FICO Decisions Awards will be spotlighted at and win tickets to <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fevents.fico.com%2Fevent%2Fficoworld%2Fabout&amp;esheet=54239589&amp;newsitemid=20250422894111&amp;lan=en-US&amp;anchor=FICO%26%23174%3B+World+2025&amp;index=5&amp;md5=2cd5029002e05def9526f179a47fd2ea\"><b>FICO\u00ae World 2025<\/b><\/a><b>, May 6-9, 2025, at the Diplomat Hotel in Hollywood, Florida.<\/b><\/p>\n<p><b>About FICO<\/b><\/p>\n<p>\nFICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO\u00ae Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency.\n<\/p>\n<p>\nLearn more at <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.fico.com%2F&amp;esheet=54239589&amp;newsitemid=20250422894111&amp;lan=en-US&amp;anchor=https%3A%2F%2Fwww.fico.com&amp;index=6&amp;md5=76c7ab3713b327df402c73cf463fb633\">https:\/\/www.fico.com<\/a><\/p>\n<p>\nFICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.\n<\/p>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20250422894111r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" style=\"width:0;height:0\" \/><span class=\"bwct31415\" \/><\/p>\n<p id=\"mmgallerylink\"><span id=\"mmgallerylink-phrase\">View source version on businesswire.com: <\/span><span id=\"mmgallerylink-link\"><a href=\"https:\/\/www.businesswire.com\/news\/home\/20250422894111\/en\/\" rel=\"nofollow\">https:\/\/www.businesswire.com\/news\/home\/20250422894111\/en\/<\/a><\/span><\/p>\n<p><b><i>For further comment contact:<br \/>\n<\/i><\/b><br \/><b>FICO UK PR Team<br \/>\n<\/b><br \/>Wendy Harrison\/Parm Heer<br \/>\n<br \/><a rel=\"nofollow\" href=\"mailto:ficoteam@harrisonsadler.com\">ficoteam@harrisonsadler.com<br \/>\n<\/a><br \/>0208 977 9132\n<\/p>\n<p><b>KEYWORDS:<\/b> Europe United States United Kingdom North America Florida<\/p>\n<p><b>INDUSTRY KEYWORDS:<\/b> Software Personal Finance Data Analytics Finance Banking Professional Services Technology Fintech<\/p>\n<p><b>MEDIA:<\/b><\/p>\n<table cellpadding=\"3\" cellspacing=\"3\" \/>\n","protected":false},"excerpt":{"rendered":"<p>FICO Platform Helps Lloyds Banking Group Say Yes to More Customers Leading UK high street banking group uses FICO\u00ae Platform to meet customer lending needs 24\/7 LONDON&#8211;(BUSINESS WIRE)&#8211;FICO (NYSE: FICO): Highlights: More than \u00a37B in annual lending at Lloyds Banking Group is powered by FICO\u00ae Platform Data ingestion of real-time bureau data drove a 2.5% credit card approval uplift and doubled new-to-bank consumer loan approvals 50+ system limitations and pain points resolved, with more to follow LBG wins 2025 FICO\u00ae Decision Award for Cloud Deployment As part of an ambitious programme to move its lending infrastructure to the cloud, Lloyds Banking Group (LBG) has transformed its operations with FICO\u00ae Platform, enabling over \u00a37 billion in annual loans. By leveraging real-time &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/fico-platform-helps-lloyds-banking-group-say-yes-to-more-customers\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;FICO Platform Helps Lloyds Banking Group Say Yes to More Customers&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-839700","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FICO Platform Helps Lloyds Banking Group Say Yes to More Customers - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/fico-platform-helps-lloyds-banking-group-say-yes-to-more-customers\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FICO Platform Helps Lloyds Banking Group Say Yes to More Customers - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"FICO Platform Helps Lloyds Banking Group Say Yes to More Customers Leading UK high street banking group uses FICO\u00ae Platform to meet customer lending needs 24\/7 LONDON&#8211;(BUSINESS WIRE)&#8211;FICO (NYSE: FICO): Highlights: More than \u00a37B in annual lending at Lloyds Banking Group is powered by FICO\u00ae Platform Data ingestion of real-time bureau data drove a 2.5% credit card approval uplift and doubled new-to-bank consumer loan approvals 50+ system limitations and pain points resolved, with more to follow LBG wins 2025 FICO\u00ae Decision Award for Cloud Deployment As part of an ambitious programme to move its lending infrastructure to the cloud, Lloyds Banking Group (LBG) has transformed its operations with FICO\u00ae Platform, enabling over \u00a37 billion in annual loans. 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