FICO Platform

Tools and platforms designed to create, deploy, and manage applications—often with built-in support for embedding decision logic, AI components, or workflows. Includes both traditional dev environments and no/low-code solutions.

Software that solves complex decision problems under constraints to determine the best possible action. This includes linear programming, mixed-integer programming, heuristics, and reinforcement learning used in scheduling, resource allocation, and planning. In DecideWise, this category includes both vendors selling the mathematical modeling capabilities as well as vendors crafting unique industry solutions utilizing optimization models.

Broad, foundational ecosystems that support the full lifecycle of decision intelligence—including data ingestion, modeling, decision logic, orchestration, and monitoring. Often includes modular components or composability. For purposes of DecideWise, the solution must deliver on a minimum of three capabilities in an integrated fashion to be considered a Platform.

Model-driven systems that use historical data and complex mathematics to forecast future outcomes or anomalies. Includes statistical modeling, machine learning, and time-series forecasting.

Systems that apply business logic through rule-based engines (e.g., if-then-else structures) to automate decisions. These are often used in compliance-heavy domains and customer decision flows. In most cases rules systems make calls to data, analytics, AI, or experts in their execution.

Technologies that model systems or environments to test decisions under various scenarios. These tools help forecast outcomes, test risk scenarios, or explore decision impacts in controlled digital environments. Simulation includes vendors delivering feature driven what-if scenario analysis for particular use cases all the way to creating top down full digital twin models of a business, industry, or market.

Real-time data processing systems that analyze event streams on-the-fly. Useful in time-sensitive decision environments like fraud detection, sensor networks, IoT, or dynamic customer interaction.