Most people who have heard of FICO know that it is a company based in San Jose, California that focuses on credit scoring services. What people don’t know is that it offers comprehensive data analytics and software applications as well. Over the years, as FICO has advanced the company’s analytic capabilities in artificial intelligence and machine learning, this same analytic expertise has been extended to marketers to predict consumers’ needs and wants and utilize a powerful personalization platform to deliver the right....