Published by Gbaf News
Posted on April 12, 2013
5 min readLast updated: January 22, 2026
Private cloud approach with FICO Capstone Decision Accelerator supports online lending decisions across multiple countries
FICO (NYSE:FICO), a leading provider of analytics and decision management technology, today announced that ZUNO Bank AG has implemented FICO® Capstone® Decision Accelerator in a private cloud for its online lending business. Hosted in ZUNO´s data center, the multi-tenant solution provides rapid, country-specific assessments of customer value and risk for unsecured lending in Slovakia and the Czech Republic, and can be easily and quickly configured for the next product or country.
ZUNO Bank is the direct bank of Raiffeisen Bank International, a leading banking group in Central and Eastern Europe based in Austria. The direct bank is building its business upon sustainable, robust and flexible solutions which support its overall strategy.
“Our aim is to become the primary bank of choice for our customers, offering deposits as well as personal loans, refinancing, contactless credit card and overdraft via internet banking,” said Petro Merkulov, Head of Risk Management at ZUNO. “Excellent service is crucial for us, so the ability to generate automated decisions on credit requests in short period of time, compared with the standard one or two days for manual underwriting will make a big impact on our ability to achieve our goal.”
In addition, the rapidly changing lending environment led ZUNO to seek a solution that would provide direct, hands-on ability for business users to build and maintain the policies, practices and procedures that define their lending strategies. “Within our credit-granting process, Capstone Decision Accelerator is the only system we can change and update directly by ourselves, without need of assistance from IT department or the system vendor,” added Petro Merkulov.
“By implementing lean and automated processes based on an optimized cost structure, direct banks can fully exploit the advantages of online banking and gain a critical edge for their business,” said Phillip Sertel, who manages FICO’s operations in the DACH region, Central & Eastern Europe and the Middle East. “We have designed Capstone Decision Accelerator specifically for accounts originations in fast-moving markets, giving business users the ability to access the solution via the internet and to build and maintain policies, practices and procedures by themselves. Offering these capabilities as well as a powerful decision engine, Capstone Decision Accelerator enables banks to automate their decisions and flexibly respond to changing market conditions.”
Even more importantly, by using the rules and queuing within FICO Capstone Decision Accelerator, ZUNO is able to detect and prevent a high quantity of fraud attacks from the beginning and reduce fraud losses to almost zero, which goes in line with the direct bank’s high security standards.
FICO® Capstone® Decision Accelerator is a comprehensive, pre-configured decision management software application built on the proven FICO® Blaze Advisor® business rules management system.
About FICO
FICO (NYSE:FICO), formerly known as Fair Isaac, delivers superior predictive analytics solutions that drive smarter decisions. The company’s groundbreaking use of mathematics to predict consumer behavior has transformed entire industries and revolutionized the way risk is managed and products are marketed. FICO’s innovative solutions include the industry-leading solutions for measuring credit risk, managing credit accounts, identifying and minimizing the impact of fraud, and customizing consumer offers with pinpoint accuracy. Most of the world’s top banks, as well as leading insurers, retailers, pharmaceutical companies and government agencies, rely on FICO solutions to accelerate growth, control risk, boost profits and meet regulatory and competitive demands. Learn more at www.fico.com. FICO: Make every decision count™.
For FICO news and media resources, visit www.fico.com/news.
Statement Concerning Forward-Looking Information
Except for historical information contained herein, the statements contained in this news release that relate to FICO or its business are forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially, including the success of the Company’s Decision Management strategy and reengineering plan, the maintenance of its existing relationships and ability to create new relationships with customers and key alliance partners, its ability to continue to develop new and enhanced products and services, its ability to recruit and retain key technical and managerial personnel, competition, regulatory changes applicable to the use of consumer credit and other data, the failure to realize the anticipated benefits of any acquisitions, continuing material adverse developments in global economic conditions, and other risks described from time to time in FICO’s SEC reports, including its Annual Report on Form 10-K for the year ended September 30, 2012 and its last quarterly report on Form 10-Q for the period ended December 31, 2012. If any of these risks or uncertainties materializes, FICO’s results could differ materially from its expectations. FICO disclaims any intent or obligation to update these forward-looking statements.
FICO and “Make every decision count” are trademarks or registered trademarks of Fair Isaac Corporation in the United States and in other countries.
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