Both can be true. But both treat capacity as people plus tools. That's not how work actually moves.
Every business runs on two operating models.
One is written down: the org chart, the SOPs, the workflow someone configured in the software.
The other is the one that actually runs. The person who knows which client gets the exception. The spreadsheet nobody admits is the system. The meeting after the meeting.
Remove people and add a tool in the same quarter, and you've changed both at once. Only one was ever documented.
The tool gets built around the version on paper. The work nobody wrote down doesn't leave with the person. It goes looking for someone to land on.
Usually, that's whoever has the most authority and the least time.
I don't know what's happening inside FICO, and the company says a simpler structure will help it move faster.
But this is the part I would watch.
The savings show up early. The cost shows up later. A delay here. The same question asked again. A decision that sits.
You don't need 3,800 employees to make a version of this move. "We won't backfill that role. We'll use a tool."
It makes sense on a spreadsheet.