The algorithm isn’t the advantage–the team is

FICO CEO Will Lansing details the company's evolution from a niche analytics consulting firm into the foundational infrastructure of the U.S. consumer credit economy. The discussion centers on the application of artificial intelligence to predict consumer behavior while navigating complex regulatory requirements, such as fair lending laws and the necessity for "explainable AI" to avoid black-box decision-making. Beyond credit scoring, the conversation addresses the shift toward consumption-based pricing models and the emergence of AI-driven financial agents that will soon negotiate credit terms on behalf of consumers. Lansing emphasizes a corporate culture built on ownership, where employees are encouraged to act as stewards of the business, and highlights the importance of maintaining strategic optionality and broad leadership skills to navigate rapid technological change.