Swisscard Improves Early Collections, Reduces Net Credit Losses 40 Percent with FICO Analytics

One of the leading credit card companies in Switzerland wins FICO® Decisions Award for debt management using FICO® Advisory and Analytics


  • Swisscard increased its revenue from billable collection expenses by about 50 percent.
  • Account terminations reduced more than 30 percent and net credit losses by more than 40 percent.
  • Swisscard increased Net Promoter Score by more than 11 points.
  • Swisscard won a 2019 FICO® Decisions Award for Debt Management.

Swisscard AECS GmbH, a leading credit card company in Switzerland, has optimized its early collections using FICO analytics leading to a 50 percent increase in revenue from billable collection expenses, a 40 percent reduction in net credit losses, a 30 percent reduction in account terminations whilst also lifting its Net Promotor Score for customers in collections by 11 points through improved customer interactions.

For its achievements, Swisscard won a 2019 FICO® Decisions Award for Debt Management.

More information:

About the FICO® Decisions Awards
The FICO Decisions Awards recognize organizations that are achieving remarkable success using FICO solutions. A panel of independent judges with deep industry expertise evaluates nominations based upon measurable improvement in key metrics; demonstrated use of best practices; project scale, depth and breadth; and innovative uses of technology. The 2019 judges are:

  • Mike Gualtieri, VP and principal analyst at Forrester
  • Sharon Kimathi, editor at FinTech Futures
  • Leslie Parrish, analyst – retail banking at Aite
  • Denise Sleem, functional specialist at Medscheme/Helios (2018 winner)
  • Alex Woodie, managing editor at Datanami
  • Les Yeamans, founder at RT Insights

The winners of the FICO Decisions Awards will be spotlighted at various FICO events in 2020 and win tickets to FICO® World 2021, the Decisions Conference, April 2021 in Orlando, Florida.

Source: FICO Press Release