There are some impressive emerging tools and platforms that bring powerful analytics, or artificial intelligence, to the decision-making process. Digital decisioning is now a thing, and there is a new breed of software to make it happen. However, too many organizations put the cart before the horse, and attempt to assemble data and technology, instead of determining what decisions will be supported by these solutions. That's the view of Douglas Clare, vice president at FICO, a company built on the science of decisions. I sat down with Clare at the recent Oracle OpenWorld conference in San Francisco, discussing FICO's latest work in the automated decisioning space.