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Alpha Points
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Nearly 90% of loan pricing was manual. AI helped lift profit 22%
Erste Group Bank AG significantly improved its loan pricing strategies and profitability by deploying FICO’s AI-powered optimization technology. This shift from manual decision-making, which previously accounted for nearly 90% of loan pricing, to a machine learning-driven approach resulted in a 22% increase in profit. The bank also received a 2026 FICO® Decision Award for AI, Machine Learning & Optimization for its innovative use of the technology across various financial products and regions.