Introducing Infosys Decisioning-as-a-Service (DaaS)

Infosys Decisioning-as-a-Service,
powered by FICO.

We empower insights and outcomes.

Legacy systems, disjointed across lines of business, are difficult to integrate, inefficient to maintain, and lack transparency in terms of results and regulatory requirements. Understanding that real-time customer insights go a long way, we developed Infosys Decisioning-as-a-Service, powered by FICO. Decisioning-as-a-Service (DaaS) is a unique, cloud-based solution that accelerates the modernization of an enterprise's decision-making capabilities.

As financial institutions look to modernize decisioning frameworks, the need for speed, consistency, and intelligence in every choice becomes critical. DaaS addresses this by unifying fragmented systems into a cohesive, cloud-native platform, enabling institutions to respond to change with confidence and precision.

From revenue growth to cost optimization and reduced losses, our solution helps enterprises transform from a fragmented application and data landscape to a unified platform with best-in-class capabilities.

Infosys and FICO, enabling a 360-degree customer view.

Our approach, built on three foundational pillars, enables financial institutions to harness internal and external data seamlessly, utilize AI and machine learning (ML) for smarter decisions, and score transactions efficiently for enhanced risk management. Let's discover the solution's features and capabilities:

1. Data management and integration
By integrating data across sources in real-time, DaaS leverages advanced AI/ML to provide customer profiles that are contextual and comprehensive.

2. AI-driven decisioning
DaaS’ capabilities ensure decisions related to credit risk, fraud prevention, or personalized offers are based on the most up-to-date insights, enabling strategic, timely shifts on the fly.

3. Insights and simulation for predictive excellence
By testing various strategies—such as changes in credit policies or new pricing models— financial institutions can understand the potential effects on the business and its customers.

Whether it’s detecting the early signs of delinquency, enabling proactive customer engagement, or ensuring decisions are aligned with customer needs and organizational goals, DaaS enables decisions with measurable outcomes.

The Infosys-FICO advantage delivers an impact.

As financial institutions navigate rising complexity, the ability to simulate, test, and refine decision paths in real time becomes a critical differentiator. With configurable intelligence embedded into the process, organizations can continuously evolve their strategies to adapt to shifting market dynamics and to create value at every step of their way. It is a shift from decision-making as a function to decision-making as a strategic asset.

Given the current economic turbulence and high rate of delinquencies, DaaS provides the insights that will enable lenders to convert these challenges into opportunities.

Key benefits of our solution

Industry-leading, configurable business rules engine
AI/ML-powered models and workflow orchestration
Scalable, decentralized architecture
Seamless and secured channel-x integration
Intuitive UI to edit business rules based on potential outcomes
Cloud data storage and computing capabilities

Predict. Personalize. Prevent.

Achieving a 360-degree view of the customer is no longer optional, it’s essential. And in the dynamic world of finance, DaaS empowers financial institutions to integrate data across internal and external sources, leverage AI/ML for smarter, faster decisions, and apply real-time scoring to manage strategies, risks, and delinquencies. This comprehensive approach not only enhances decision-making but also ensures proactive and personalized engagement with customers and loyalty in the long run.

For more information on how this solution can help your organization achieve its financial and experiential goals, please feel free to reach out to askus@infosys.com

Infosys Authors

Sharan Bathija
Infosys Knowledge Institute (IKI),
Infosys

Navdeep Gill
Senior Industry Principal,
Head Risk Practice, Infosys

FICO Authors

Robert Jones
Senior Director, Global Partners and Alliances,
FICO

Amir Sikander
Director, Strategy Consulting and Innovation,
Global Partner & Alliances, FICO