In this Future of Data Platforms Summit conversation, Bill Waid, chief product and technology officer at FICO, sits down with theCUBE’s Rob Strechay to unpack how FICO is evolving its data platform to meet the demands of enterprise-scale AI and real-time decision intelligence. Waid details how data has become the foundation of the FICO platform, spanning ingestion, cataloging, linkage, privacy controls and KPI-driven monitoring, to enable transparency and measurable outcomes. The discussion explores the challenges of building resilient SaaS and PaaS platforms that operate at massive scale while still ensuring consistency, governance and open integration with third-party data sources. Waid emphasizes how FICO’s approach to data management balances resilience, privacy, speed and scale, highlighting the company’s proprietary techniques for unifying disparate data and ensuring consistent business context. Looking ahead, Waid shares how FICO is investing in R&D to help customers move beyond simply collecting data toward extracting relevant insights tied directly to business outcomes. He explains why features derived from data combinations are the real drivers of predictive power and how linking those features back to key performance indicators enables organizations to continuously refine decisions. From federated architectures and metadata-rich governance to preparing for agentic AI, this conversation offers an inside look at how FICO is shaping the next era of decisioning platforms.