Array Partners with FICO to Meet Embedded Finance Product Demand

Array announced a partnership with FICO to address the growing demand for embedded finance products, combining Array's platform with FICO's credit scoring and analytics capabilities. The partnership enables businesses to integrate FICO's credit decisioning tools directly into their product experiences through Array's embedded finance infrastructure. Companies can offer credit-related features and financial products without building scoring or analytics capabilities from scratch.

FICO contributes its widely recognized credit scoring models and risk analytics, while Array provides the embedded finance distribution layer. The partnership targets a broad range of businesses seeking to add financial services to their existing customer journeys. No financial terms were disclosed.

The collaboration signals the importance of credit data infrastructure as embedded finance expands beyond payments and accounts into lending and risk assessment. It positions both companies to capture demand from non-financial brands entering financial services.