FICO provides a broad range of technologies and services to support business optimisation and the embedding of intelligence into applications of various kinds. Under the hood there is a lot going on – from linear (and non-linear) programming through to predictive analytics and other extremely powerful methods of supporting business decisions through applying intelligence to a variety of applications. It is clear that the experience and know-how of FICO in the industries it serves is probably unique. Financial services, retail, government and healthcare are its main markets, but the technologies and methods they employ have broad applicability.