Banco Santa Cruz migrated from its outdated legacy system to FICO Platform decisioning capabilities deployed on AWS cloud infrastructure, enabling real-time credit decisions and automated policy management. The cloud-native solution integrates seamlessly with the bank's existing technology infrastructure, enabling Banco Santa Cruz to shift from a product-centric to a customer-centric origination model. The platform delivers real-time decisions while supporting up to 20,000 online transactions monthly and 50,000 batch operations, allowing consistent decision logic across mobile, branch, and online channels.
Banco Santa Cruz launched a strategic transformation centered on FICO Platform. The implementation followed a phased approach, starting with credit cards and unsecured personal loans before expanding to mortgages, auto loans, and secured personal loans. The architecture enables champion-challenger testing, automated governance with performance dashboards, and on-demand scalability that grows with business needs.
Built on a PCI-compliant foundation with managed certificates and end-to-end encryption, the platform maintains a 931-millisecond response time baseline across transactions while supporting multi-channel decision orchestration, serving all customer touchpoints consistently. The bank also implemented a simulation tool for prequalification across all unsecured products, shifting from a product-centric to a customer-centric origination model.
