FICO Partners with Big Data Startup ERN to Offer Analytics-Driven Marketing Platform

LONDON and SAN JOSE, Calif. — September 23, 2013 — FICO (NYSE:FICO), a leading predictive analytics and decision management software company, today announced its partnership with transactional Big Data startup ERN. ERN will embed FICO’s marketing solutions within its real-time Big Data analytics platform Looop, giving marketers in financial services and retail the ability to execute highly personalized merchant-funded marketing strategies based on precise analysis of each consumer’s preferences and needs. The partnership is initially focused on the financial services market in the UK, Europe and Asia.

Looop is a scalable, reliable and secure Big Data analytics platform that enables banks, acquirers and merchants to perform deep analysis of customer behavior on a micro and macro scale. The actionable insights that result can be used to create compelling relevant and timely offers that can be sent to customers through a mobile app in real-time. Looop is fully PCI and ISO 27001 compliant.

FICO^® Analytic Offer Manager uses predictive analytics and optimization capabilities to deliver highly personalized, relevant offers to customers at the moment they are most likely to act on them – maximizing the potential of the transactional data harvested by Looop. FICO Analytic Offer Manager enables precisely targeted offers based on both what and when a customer is most likely to buy. The analytics mathematically balance thousands of decision variables through optimization in order to inform offers that advance the business’s strategic objectives while maximizing the relevance for the consumer.

FICO^® Customer Dialogue Manager is a multi-channel marketing platform that enables marketers to design, execute and manage precisely timed and targeted campaigns that engage customers across all channels based on their known interactions and preferences.

"FICO's predictive analytic solutions have proven to dramatically improve response rates from 2-3 percent to as much as 20-30 percent," said Don Peterson, vice president and general manager of Marketing Solutions at FICO. "We have chosen to work with ERN due to the superior Big Data technology and their shopping basket analysis capabilities provided by the Looop platform, as well as its vast scalability and real-time decisioning capability."

Dan Brassington, CEO and Co-Founder of ERN, said: "By partnering with FICO and embedding its Analytic Offer Manager and Customer Dialogue Manager into the Looop platform, we are in a position to offer marketers the most complete transactional Big Data analytics platform available for generating revenue from merchant-funded offers. Our completely scalable, reliable platform will enable us to help firms in the financial services and retail industries collect, store and analyze Big Data in order to create highly personalized value-added services for individual customers."

About ERN
Established in 2011, ERN (www.ernglobal.com) has developed a big data analytics platform with real-time marketing capabilities called Looop, which was launched at the FinovateEurope 2013 conference in February. ERN’s innovative SaaS solution is designed to offer a completely scalable, reliable and secure suite of products to banks and merchants, giving a deep level of analytical detail about consumer behavior in real-time.

The company's board consists of a number of experts in the fields of financial services, payments, mobile, technology and corporate management. CEO & Co-Founder, Dan Brassington has 20 years of experience within the IT industry including senior technical roles at investment banks such as JPMorgan, Citigroup and RBS. CBM & Co-Founder, Alistair Mercer has 30 years' experience as a merchant and Chairman Derek Tullett CBE has played a leading role in the development of the UK's financial services sector.

ERN also has a key Advisory Board that consists of Brian Thom, former President of Citibank Credit Cards Japan, Hans Beck, Chairman and Co-Founder of Torch Partners Investment Bank and former CEO of Deutsche Bank Japan, along with David Toth, the former President, CEO and Founder of NetRatings.

Über FICO
FICO (NYSE: FICO), formerly known as Fair Isaac, is a leading analytics software company, helping businesses in 80+ countries make better decisions that drive higher levels of growth, profitability and customer satisfaction. Der zukunftsweisende Einsatz von Big Data und mathematischen Algorithmen zur Erstellung von Prognosen zum Kundenverhalten hat ganze Branchen grundlegend gewandelt. Die Analytics-Softwarelösungen und -Tools von FICO werden in den verschiedensten Branchen verwendet, um Risiken und Betrugsfälle zu verringern, profitablere Kundenbeziehungen aufzubauen, Abläufe zu optimieren und strenge regulatorische Vorgaben zu erfüllen. Viele unserer Produkte finden branchenweit Akzeptanz – wie z. B. FICO^® Score, die Standard-Messung für Verbraucherkreditrisiken in den USA. FICO-Lösungen integrieren Open-Source-Standards und Cloud Computing, um so maximale Flexibilität und schnelle Bereitstellung zu ermöglichen und Kosten zu reduzieren. Das Unternehmen hilft Millionen von Menschen dabei, ihren persönlichen Kreditstatus zu verwalten.

FICO: Make every decision count™. Learn more at www.fico.com.
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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, 2012 and its last quarterly report on Form 10-Q for the period ended June 30, 2013. 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 US and other countries.