Market Expansion in Indonesia FICO's recent surveys in Indonesia reveal significant risks facing banks due to rising scams, presenting an opportunity for the company to offer its fraud detection solutions to enhance security and protect against financial losses.

Increasing Consumer Awareness in the UK The UK consumers' lack of confidence in real-time payment security, as highlighted in FICO's survey, indicates a growing need for improved payment security solutions. FICO could capitalize on this trend by offering innovative, secure payment processing technologies.

Partnership with Fujitsu in Japan FICO's collaboration with Fujitsu to enhance omnichannel engagement capabilities in Japan opens up opportunities for the company to provide advanced analytics and fraud prevention solutions to the Japanese financial services sector, driving digital transformation and smarter decision-making.

Surge in Consumer Credit Health Awareness The significant increase in consumers checking their FICO scores indicates a growing awareness of the importance of credit health. FICO can leverage this trend by offering personalized financial management solutions to empower individuals to improve their credit scores and overall financial well-being.

Competitive Advantage with Major Banks As the creator of the FICO® Score, used by 90% of top US lenders, FICO has a competitive edge in providing credit risk assessment solutions. This positions the company well to collaborate with major banks globally and offer tailored credit risk management tools to enhance lending practices and decision-making processes.