FICO Model Builder 7,2 Speeds Model Development and Improves Prediction through Segmented Ensemble Technology

MINNEAPOLIS — August 18, 2011 — FICO (NYSE:FICO), the leading provider of analytics and decision management technology, today announced the general availability of FICO™ Model Builder 7.2, which enables analytic developers to rapidly discover, design and deploy predictive analytics for high-volume decisions. Enhancements to the data mining workbench include new capabilities to develop and deploy optimized suites of segmented ensemble models, which marry decision trees and scorecards to capitalize on the predictive interactions across customer sub-segments. These advancements enable companies to improve the productivity of analytic staff, make more profitable decisions based on more precise risk estimates and ultimately shorten time to value and increase return on investment.

Specifically, FICO™ Model Builder 7,2 combines advanced analytic science with business expertise - automating the discovery of optimal segmentation schemes and accelerating the refinement of subpopulation models to compare different ways of segmenting the population. It features a revamped segmentation discovery algorithm that improves runtime, scalability and accuracy, while giving analysts unprecedented control to manage and direct their search for the most powerful segmentation scheme. In addition, FICO™ Model Builder 7,2 automates deployment of the complete ensemble model, including variable generation logic, model selection and reason codes assignment, for implementation within FICO applications or other systems. All of these features lead to more precise risk estimates, increased staff productivity and improved organizational profitability.

"Financial institutions have long valued segmented ensembles for their ability to capture predictive analytics in a transparent, easily understood form," said James Taylor, CEO of Decision Management Solutions, and a leading expert in the use of predictive analytics. "This structured combination of decision trees and scorecards is a powerful and practical example of an ensemble model. Model Builder 7,2 makes it easy to find the best segmentation and quickly build the most effective ensemble."

"In the data mining community, we're all excited about the advances from number-crunching ensemble modeling techniques," said Andrew Flint, senior director of product management at FICO. "To take full advantage of ensembles for the closely managed decisions in lending, underwriting and pricing, creditors and insurers require great transparency and control over the ensemble modeling process. Our customers strongly value the deep user controls that Model Builder 7,2 brings to these modern analytic algorithms."

FICO™ Model Builder combines industry breakthroughs in scorecard development functionality with a highly visual interface and 64-bit certification to solve very large modeling problems. Using Model Builder, teams are able to rapidly explore data, build complete predictive models, and easily generate production-ready score execution as a stand-alone scoring system or within business rules flows.

Über FICO
FICO (NYSE:FICO) 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 FICO^® Score — the standard measure of consumer credit risk in the United States — along with industry-leading solutions for 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. FICO also helps millions of individuals manage their personal credit health through www.myFICO.com. Learn more at www.fico.com. FICO: Make every decision count™.
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Statement Concerning Forward-Looking Information
Except for historical information contained herein, the statements contained in this news release that relate to FICO or its business are forward-looking statements within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 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, 2010 and its last quarterly report on Form 10-Q for the period ended June 30, 2011. If any of these risks or uncertainties materializes, FICO's results could differ materially from its expectations. FICO disclaims any intent or obligation to update these forward-looking statements.

FICO and “Make every decision count” are trademarks or registered trademarks of Fair Isaac Corporation in the United States and in other countries.