Innovative Use of FICO Decision Management Technology Sees World's Biggest Bank Win Prestigious Award

China's ICBC collects credit risk technology implementation award from Asian Banker in 2020

BEIJING, Sept. 15, 2020 /PRNewswire/ --


  • ICBC Credit Card Centre has been recognized for its credit risk technology implementation with a prestigious award from The Asian Banker in 2020.
  • Responsive, high-speed iteration of decision management strategies was key to gaining an edge over competitors.
  • As of the end of June 2020, ICBC has issued more than 160 million credit cards.

Industrial and Commercial Bank of China (ICBC), the world's biggest bank and issuer of credit cards, has seen its innovative and extensive use of FICO decision management technology recognized with the Credit Risk Technology Implementation of the Year Award from The Asian Banker.

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The award from Asian Banker is one of the most prestigious in the financial services industry for Asia-Pacific and acknowledges the bank's industry leadership in the field of risk control.

"ICBC Credit Card has achieved some remarkable results using decision management technology in its business and we are thrilled they have been recognized in this way," said Sandy Wang, managing director of FICO China. "The team at Industrial and Commercial Bank of China has been focused on providing world-class customer-centric solutions for its credit card customers and they continue to be one of our most innovative and advanced clients in terms of their approach to analytics."

As of the end of June 2020, ICBC has issued more than 160 million credit cards and served more than 100 million customers, maintaining its position as the world's largest credit card issuing bank with the largest number of customers. The bank has over 8 million corporate customers and 650 million consumer customers worldwide.

One of ICBC's stated aims is to build "China's No. 1 Credit Card Brand". After launching FICO® Blaze Advisor® decision rules management system, the bank successfully applied the technology to multiple decision-making areas of the credit card center and established a comprehensive intelligent risk control system.

To deliver on the demand for agile deployment of decision management across the business, ICBC Credit Card Center worked closely with FICO's experts to establish a team to manage the rapid handling of production problems. ICBC also adjusted the development process and innovated a set of efficient working models to promote rapid strategy development as they saw responsive, high-speed iteration and continuous learning as key to gaining an edge on the competition.

"We are very honored to work with ICBC Credit Card and to have played a part in helping them to win this award," concluded Wang. "Decision management is both art and science and the team at ICBC has managed to combine both skills when deploying this technology. FICO's decision management platform is being widely adopted in the finance industry, especially as banks look to the current and future digital transformation of their business."

About ICBC
Industrial and Commercial Bank of China was established on 1 January 1984. On 28 October 2005, the Bank was wholly restructured to a joint-stock limited company. On 27 October 2006, the Bank was successfully listed on both Shanghai Stock Exchange and The Stock Exchange of Hong Kong Limited. Through its continuous endeavours and stable development, the Bank has developed into the leading bank in the world, possessing an excellent customer base, a diversified business structure, strong innovation capabilities and market competitiveness. The Bank regards service as the very foundation to seek further development and adheres to creating value through services while providing a comprehensive range of financial products and services to 8,098 thousand corporate customers and 650 million personal customers.

About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956 and based in Silicon Valley, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 195 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, manufacturing, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 100 countries do everything from protecting 2.6 billion paymentcards from fraud, to helping people get credit, to ensuring that millions of airplanes and rental cars are in the right place at the right time. 

Learn more at

Join the conversation on Twitter at @FICOnews_APAC.

FICO and Blaze Advisor are registered trademarks of Fair Isaac Corporation in the US and other countries.

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