MERRIFIELD, Va. — An increasingly crucial part of the credit card portfolio management team at Navy Federal Credit Union is a piece of software that engages in something called adaptive analytics.

The technology is at the core of the TRIAD system used by the world's largest credit union to automate decision making about such things as credit limits, card re-issues and, coming soon, cross-sell offers for rewards and other incentive products.

TRIAD 8.2 is the latest version of the adaptive control system from Fair Isaac, the creator of the ubiquitous FICO scoring system. There are about 300 installed users of the TRIAD system, covering about 65% of the world's credit card accounts, says Linda Heger, business consulting director for the Minneapolis-based company.

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