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3. September 2013

Cred-System Selects FICO Account Originations Solution to Power Rapid Growth

3. September 2013

SÃO PAULO – September 3, 2013 - FICO (NYSE: FICO), a leading predictive analytics and decision management software company, announced today that Brazilian retail card issuer Cred-System will deploy FICO® Blaze Advisor™ to manage the origination process for new card accounts, responding to individual customer needs with increased flexibility, efficiency and precision.

Cred-System manages more than 7 million private label and other credit cards for a multitude of retail chains. Using the FICO solution, which incorporates Mendix workflow software, Cred-System´s analysts can rapidly change workflow and strategy rules to adapt to new market conditions and customer demands, continually offering the right product and credit limit for each individual customer.

"We're constantly looking for ways to improve the originations process in order to attract new customers with highly competitive offers, and help our retail partners to increase their sales" said Davi Brito, Cred-System Risk Director. "The FICO solution will help us in making attractive offers to customers with the confidence that those new accounts will be profitable."

"Cred-System's success grows out of its smart, aggressive approach to account originations," said Robert Duque-Ribeiro, FICO vice president and general manager for Latin America and the Caribbean. "FICO Blaze Advisor and the Mendix platform, together with FICO's deep analytic expertise, will give Cred-System the rapid-deployment capabilities it needs to support continued fast-paced growth."

FICO® Blaze Advisor™ business rules management system provides unparalleled flexibility and speed of delivery, which allows users to automate the optimization and management of high-volume decisions. FICO Blaze Advisor provides facilities for users to create, optimize, execute and maintain business rules and policies using automated decision management applications.

About Cred-System
Since 1996 on the market, Cred-System is highly specialized in lending to emerging economic classes of customers, unbanked and independent workers. "We offer a solid and long lasting partnership, with products and services that provide excellent conditions for the growth of the retailers, always according to its need and size".

Millions of transactions each year, in different segments in the states of São Paulo, Rio de Janeiro, Minas Gerais and Espírito Santo resulted on our well known specialization in granting credit to customers from emerging economic classes and the wide knowledge of retail's needs. We continuously invest in the quality of our products, processes and services, giving our partners security, competitiveness and increased sales.

FICO (NYSE:FICO), formerly known as Fair Isaac, delivers superior predictive analytics solutions that drive smarter decisions. The company's groundbreaking use of mathematics to predict consumer behavior has transformed entire industries and revolutionized the way risk is managed and products are marketed. FICO's innovative solutions include the industry-leading solutions for measuring credit risk, managing credit accounts, identifying and minimizing the impact of fraud, and customizing consumer offers with pinpoint accuracy. Most of the world's top banks, as well as leading insurers, retailers, pharmaceutical companies and government agencies, rely on FICO solutions to accelerate growth, control risk, boost profits and meet regulatory and competitive demands.

Learn more at www.fico.com
For FICO news and media resources, visit www.fico.com/news

Erklärung zu zukunftsgerichteten Informationen
Mit Ausnahme der hierin enthaltenen historischen Informationen sind die in dieser Pressemitteilung enthaltenen Aussagen, die sich auf FICO oder dessen Geschäft beziehen, zukunftsgerichtete Aussagen im Sinne der „Safe Harbor“-Bestimmungen des Private Securities Litigation Reform Act von 1995. These forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially, including the success of the Company's Decision Management strategy and reengineering plan, the maintenance of its existing relationships and ability to create new relationships with customers and key alliance partners, its ability to continue to develop new and enhanced products and services, its ability to recruit and retain key technical and managerial personnel, competition, regulatory changes applicable to the use of consumer credit and other data, the failure to realize the anticipated benefits of any acquisitions, continuing material adverse developments in global economic conditions, and other risks described from time to time in FICO's SEC reports, including its Annual Report on Form 10-K for the year ended September 30, 2012 and its last quarterly report on Form 10-Q for the period ended June, 30, 2013. Sollte eines dieser Risiken oder Ungewissheiten eintreten, könnten die Ergebnisse von FICO erheblich von seinen Erwartungen abweichen. FICO lehnt jede Absicht oder Verpflichtung ab, diese zukunftsgerichteten Aussagen zu aktualisieren.

FICO, Blaze Advisor and "Make every decision count" are trademarks or registered trademarks of Fair Isaac Corporation in the US and other countries.


Greg Jawski

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Darcy Sullivan
Europa, Naher Osten und Afrika

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Saxon Shirley

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Marisa Arribas

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Milla Delfino

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