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Recently, Fair Isaac Corporation (FICO - Snapshot Report), a leading predictive analytics and decision management software company, joined forces with MeridianLink Inc. to help small banks and credit unions take improved and faster lending decisions.

MeridianLink is widely known as the pioneer developer of the industry's first multi-channel account opening and loan origination platform. The company provides a reliable and an affordable web-based credit reporting, lending and new account opening/deposit technologies.

The partnership will grant mutual bank and credit union clients of the companies an access to Fair Isaac’s small business and consumer lending models. According to the agreement, MeridianLink’s loan origination platform will be combined with Fair Isaac’s two sets of models. These models will help the lenders access Fair Isaac’s credit scores for small business applicants and consumers.

The combined solution proposes to help lenders make instantaneous loan decisions for home equity line of credit, auto loans, commercial loans and other loan products. Additionally, the partnership will help lenders reduce delinquency and charge-off losses, approve more loan applications, thereby augmenting the lender’s profitability.

Fair Isaac’s analytics software has helped multiple industries to administer risks, avoid frauds, make profitable decisions and maintain strong customer relationship. The company’s software can predict consumer behavior, which have helped numerous industries to launch products according to consumer demand.

Fair Isaac currently carries a Zacks Rank #4 (Sell). Better players within the Computer and Technology sector worth mentioning include Unisys Corporation (UIS - Analyst Report), Alliance Fiber Optic Products Inc. (AFOP - Snapshot Report) and Akamai Technologies, Inc. (AKAM - Analyst Report), each holding a Zacks Rank #1 (Strong Buy).

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