FICO (NYSE: FICO) and PostFinance, Switzerland’s leading digital bank, are taking their partnership to the next level. The bank announced an expansion of its use of FICO® Falcon® Fraud Manager and FICO® Customer Communication Services (CCS) to deliver faster, smarter fraud protection and customer outreach.

PostFinance’s scale is formidable: the bank serves 2.4 million customers and processes roughly 4 million transactions daily—worth nearly CHF 5.9 billion. About one-third of all debit card transactions in Switzerland flow through PostFinance, making it a critical player in the nation’s payment infrastructure.

As digital banking activity soars, the stakes for fraud prevention rise with it. By expanding its deployment of FICO’s AI-driven systems, PostFinance aims to detect suspicious behavior in real time and instantly reach customers through preferred channels when anomalies occur.

Smarter AI, Faster Intervention

The collaboration builds on five years of partnership between the two firms, centered around FICO’s industry-leading Falcon Fraud Manager, which leverages artificial intelligence and over 100 fraud detection patents to protect more than 4 billion payment cards globally.

PostFinance’s expanded integration adds FICO Customer Communication Services, allowing the bank to contact customers immediately via SMS, push notification, or voice call the moment potential fraud is detected.

“Switzerland’s citizens depend on us to maintain the highest level of fraud protection,” said Stephan Zimmermann, head of Customer Security at PostFinance. “Our trusted relationship with FICO enables us to give customers seamless, 24/7 support.”

“Instant communication is crucial when scams unfold,” added Christoph Stettler, senior security officer at PostFinance. “FICO’s tools help us reach customers in real time, improving both protection and user experience.”

Digital Transformation Through AI and Trust

FICO’s expansion at PostFinance is more than a software upgrade—it’s part of a wider digital transformation. The bank continues to evolve its e-finance portal, which has made PostFinance the standard-bearer for electronic banking in Switzerland.

“This partnership reinforces PostFinance’s leadership in digital banking,” said Jens Dauner, vice president for Central Europe at FICO. “It shows their commitment to meeting and surpassing customer expectations in security and service.”

FICO Falcon Fraud Manager’s AI-driven approach has become the global benchmark for transaction monitoring and fraud prevention, balancing protection with customer convenience—a tension many banks still struggle to optimize.

Context: Europe’s Fraud Landscape

Across Europe, financial institutions are ramping up fraud detection investments as scams become increasingly sophisticated. According to the European Payments Council, authorized push payment (APP) fraud and social engineering scams now account for a growing share of digital losses, with many banks turning to AI-based systems that analyze behavioral and transaction-level data in real time.

In that context, PostFinance’s deepened integration of FICO’s systems underscores a larger industry shift: fraud prevention is becoming customer experience management.
Instant alerts and real-time communication are no longer just safeguards—they’re service differentiators.

The Bottom Line

By expanding its partnership with FICO, PostFinance is reinforcing both security and customer trust at a national scale. As digital banking adoption accelerates, the move positions Switzerland’s leading digital bank at the forefront of AI-powered fraud detection and proactive communication, setting a new benchmark for fintech-driven protection in Europe’s financial sector.