2. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved.
The Cure for Digital Disruption:
Breaking Silos Through Centralized
Decisioning
Bill Doyle
Vice President
FICO Decision Management
Solutions
Senthil Erulappan
Leader, Product Engineering
Worldpay, LLC

3. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved.
At a glance
• 95% of U.S. financial
institutions are FICO clients
• The 100 largest U.S. credit
card issuers all use FICO
• $90 billion is saved annually
by FICO cyber crime
technologies
• Worldpay powers global
integrated omni-commerce in
146 countries and 126 currencies
• #1 in cross-border ecommerce,
processing over 40 billion
transactions and over $1.7 trillion
payment volume annually
• More than 300 payment types

4. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved.
Agenda
Defining digital disruption
Breaking down silos with centralized decisioning
Reaching for the cloud
Pro tips for those starting out
Audience Q&A

5. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved.

6. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved.
Before FICO: Siloed, Manual Decisions
Manual
Decisioning
Reporting
Third-Party
Integration
OFAC/Credit/LN/
Tax ID check
Core
Underwriting
eCommerce
Boarding
ISO
Boarding
IP
Boarding
Manual
Decisioning
Reporting
Third-Party
Integration
ISO
Underwriting
Manual
Decisioning
Reporting
Third-Party
Integration
eCommerce
Underwriting
Manual
Decisioning
Reporting
Third-Party
Integration
IP
Underwriting
Core
Boarding
Underwriter Underwriter Underwriter Underwriter

7. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved.

8. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved.
After FICO: Automated, Centralized Decisions
eCommerce
Boarding
ISO
Boarding
IP
Boarding
Core
Boarding
Underwriter
Merchant Underwriting on FICO Decision Management Platform (DMP)
Auto
Approval
Automated
Decisioning
Automated
Third-Party
Integration
OFAC/Credit/
KYC//Tax ID/
DDA verification
Centralized
Visibility,
Reporting, and
Control
Accelerated
Approval and
Decisioning

9. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved.

10. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved.
Moving to AWS Cloud

11. © 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved.

12. Thank you!
© 2019, Amazon Web Services, Inc. or its affiliates. All rights reserved.
Bill Doyle
Vice President
FICO Decision Management
Solutions
BillDoyle@fico.com
Senthil Erulappan
Leader, Product Engineering
Worldpay
Senthil.Erulappan@worldpay.com