Brazilian Card Issuer Cred-System Selects FICO Customer Dialogue Manager to Drive Its Marketing Campaigns Based on Real-Time Customer Analysis

Fraud Protection & Compliance
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SÃO PAULO – December, 17, 2013 - FICO (NYSE: FICO), a leading predictive analytics and decision management software company, announced today that Cred-System, a Brazilian card issuer for retailers, chose FICO™ Customer Dialogue Manager to manage marketing campaigns and provide real-time analysis of customer needs and preferences.

Cred-System will use FICO Customer Dialogue Manager as its multi-channel marketing platform to design, execute and manage precisely timed and targeted campaigns that engage customers across all channels, based on their known interactions and preferences. Cred-System will be able to harness its enormous volumes of customer spending data, and gain sharp insights into customer interactions and behaviors. Cred-System will be able to apply those insights to generate more individualized, interactive dialogue with customers in a coordinated fashion across channels, including social media. Through dialogue, Cred-System will be able to learn more about what the customer wants, which leads to increased sales and marketing ROI.

“We manage more than 7,5 million retail credit cards and have over 40 partnerships with retailers in Brazil, which means we have a massive amount of data on customer spending,” said Paulo Valente, Business Director for Cred-System. ”We want to leverage that data to understand our customers better and improve our interactions. FICO Customer Dialogue Manager will help us to treat every customer as an individual and not as a segment.”

“As a leading card issuer in the Brazilian retail market, Cred-System  is poised to gain market share by tailoring its customer engagement to meet the needs of each individual,” said Robert Duque-Ribeiro, vice president and general manager of Latin America and the Caribbean for FICO. “Cred-System is leading the way in how Brazilian companies foster and develop relationships with their partners, customers and prospects.”

About Cred-System
Since 1996, Cred-System has specialized in lending to emerging economic classes of customers, including unbanked and independent workers. Cred-System has solid and long lasting partnerships with retailers, providing products and services that contribute to their economic growth. Cred-System conducts millions of retail lending transactions each year, and operates in the states of São Paulo, Rio de Janeiro, Minas Gerais, Espírito Santo, Paraná, Goiás and Distrito Federal.

About FICO
FICO (NYSE: FICO) is a leading predictive analytics software company, helping businesses in 80+ countries make better decisions that drive higher levels of growth, profitability and customer satisfaction. The company’s groundbreaking use of Big Data and mathematical algorithms to predict consumer behavior has transformed entire industries. FICO provides analytics software and tools used across multiple industries to manage risk, fight fraud, build more profitable customer relationships, optimize operations and meet strict government regulations. Many of our products reach industry-wide adoption — such as the FICO™ Score, the standard measure of consumer credit risk in the United States. FICO solutions leverage open-source standards and cloud computing to maximize flexibility, speed deployment and reduce costs. The company also helps millions of people manage their personal credit health. FICO: Make every decision count™. Learn more at

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, 2013 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.

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