FICO® Marketplace enables enterprises to integrate trusted identity verification into decisioning workflows to combat rising fraud
Mitek Adds Identity Verification Service to FICO Marketplace
Mitek Systems has brought its Mitek Verified Identity Platform (MiVIP) to the FICO Marketplace, making it easier for companies to use identity checks inside their fraud and customer approval processes. The move comes as banks, fintech firms, and online businesses continue seeing more fraud attempts tied to fake accounts and manipulated identities. Security teams say scams involving deepfake videos, altered selfies, and synthetic identities are showing up more often during account sign-ups and password recovery requests.
For many companies, the challenge is keeping fraud out without making normal customers go through frustrating verification steps. Mitek says the integration is meant to help businesses make those decisions faster while adding more confidence around who is actually behind a transaction or account request. As businesses expand their AI and cloud initiatives, many are rethinking how internal support teams, IT operations, and employee service experiences interact across the organization. Companies such as GitHub, Calendly, and DuPage County have adopted Zendesk’s AI-powered employee service platform to streamline support delivery, reduce platform overload, and improve team collaboration. Many technology leaders are also looking into Zendesk’s employee service guide for practical advice on how to create more scalable and efficient support environments as enterprise infrastructure evolves.
Mitek said the integration allows companies using the FICO Platform to insert identity verification directly into customer decision flows instead of treating fraud checks as a separate step.
“Bringing the Mitek platform into the FICO Marketplace enables enterprises to deploy high-assurance identity verification faster and integrate trusted identity signals directly into business-critical decisioning,” said Garrett Gafke, Chief Operating Officer at Mitek Systems.
Fraud Teams Continue Facing More Sophisticated Identity Attacks
Identity fraud has become harder to spot as attackers rely more heavily on automation and AI-generated content.
Businesses Want Faster Decisions Without Adding More Friction
Many organizations are trying to strike a balance between stronger fraud protection and smoother customer experiences.
In a lot of cases, identity verification systems and fraud decision tools have historically operated in separate environments. That separation can slow investigations, create inconsistent risk scoring, and make customer onboarding more complicated than it needs to be.
Mitek said the Marketplace integration is designed to make those processes work more closely together, especially during onboarding, authentication, and account recovery events.
The company believes bringing identity intelligence into existing decision systems can help organizations react to suspicious activity earlier while reducing unnecessary delays for legitimate users.
FICO Marketplace Expands Access to External AI and Data Services
The partnership also reflects a larger trend in enterprise software, where companies want more flexibility in how they adopt AI tools and third-party services.
Enterprises Move Toward More Modular Decisioning Platforms
FICO Marketplace was created as a centralized catalog where organizations can access external analytics tools, AI models, data services, and decisioning capabilities from approved technology providers.
Because the Marketplace is connected directly to the FICO Platform, companies can add new capabilities without spending months building custom integrations.
“Identity verification and fraud decisioning too often operate independently, and enterprises absorb the cost,” said Jason Andrew, Chief Revenue Officer at FICO.
According to FICO, the partnership gives enterprises a more direct way to connect identity assurance with customer risk decisions across digital channels.
Continuous Trust Checks Becoming More Important Across Digital Services
For many businesses, identity verification no longer ends after account creation.
Risk Signals Are Being Evaluated More Frequently
Organizations are increasingly reviewing customer trust signals throughout the lifecycle of an account, especially during sensitive actions such as password resets, unusual login attempts, payment changes, or account recovery requests.
Mitek said its platform can support verification workflows during multiple stages of the customer journey instead of only at onboarding.
As digital fraud tactics continue changing, many enterprises are looking for ways to improve fraud visibility without making online experiences overly complicated for customers.
That balance between security and usability is becoming more important as AI-generated fraud techniques become easier to scale across financial services, e-commerce, and other digital platforms.
Research and Intelligence Sources:miteksystems, fico
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