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The 2018 release of the UK/European FICO® Falcon® Platform consortium models (both Credit and Debit) contain new machine learning innovations focused on card not present (CNP) transactions. These models will be available to all UK/Europe Credit and Debit consortium model clients beginning in late 2017. There are no incremental licensing costs associated with this release. Similar CNP-focused machine learning advances will be available for consortium model customers in other regions when their respective 2018 consortium models are released.