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October 15, 2014

FICO Joins The CardLinx Association

October 15, 2014

Predictive analytic and decision management technologies key for card-linked offers industry

SAN JOSE, Calif.—October 15, 2014—FICO (NYSE:FICO), a leading predictive analytics and decision management software company, today announced that it has joined The CardLinx Association (CardLinx) to collaborate more closely with other technology platform providers, merchants, digital publishers, payment networks and banks in promoting the growth of the card-linked offers industry.

CardLinx develops industry standards that make deals and offers easier for consumers and merchants. A card-linked offer associates a consumer's credit, debit or other payment card with a specific merchant offer or deal. By linking the payment card, the consumer no longer needs to clip coupons, present vouchers or remember codes. The consumer simply uses the registered payment card and automatically receives the discount on qualifying purchases.

"FICO's advanced analytics help ensure that the right offers are presented to the right customer at the right time," explained Matt Beck, Vice President of Marketing Solutions at FICO. "Making offers relevant, timely and personal for each consumer will be critical to the success of any card linked offer program. The space is evolving rapidly, with the mobile channel becoming the primary way consumers link offers to cards. Companies that make the process easy and provide additional value for consumers will be market leaders."

Founded in October 2013, CardLinx is the leading association for the card-linked industry. The nonprofit group brings together such global leaders as MasterCard, Discover, Microsoft, Facebook, PayPal and First Data to develop industry standards that eliminate friction for consumers and merchants. Today, CardLinx members serve or represent more than 6 million merchants, have issued more than 1.9 billion payment cards, and serve consumers with more than 200 million card-enabled accounts.

"FICO is a long-time innovator in the card industry and a perfect fit among the payments and digital advertising leaders that comprise CardLinx," said Silvio Tavares, CEO of The CardLinx Association. "We look forward to the company's collaboration in developing the next generation of analytics for the card-linked offers industry.

About The CardLinx Association
The mission of The CardLinx Association is to increase interoperability and promote growth in the card-linked offers industry. On behalf of its members, the non-profit association develops and institutes common business practices and industry standards to minimize and eliminate friction in the sourcing, serving, publishing, redeeming and cross-syndicating of card-linked offers. For more details, please visit www.cardlinx.org

About FICO
FICO (NYSE: FICO) is a leading analytics software company, helping businesses in 90+ 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. These include 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 www.fico.com.

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

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

Newsroom Contacts

Greg Jawski
Americas

greg.jawski@porternovelli.com
+1 212-601-8248

Darcy Sullivan
Europe, Middle East & Africa

dsullivan@fico.com
+44 (0) 209-940-8719

Saxon Shirley
Asia Pacific

saxonshirley@fico.com
+65 6422-7795

Marisa Arribas
Latin America

marisaarribas@fico.com
+1 786 482 7231

Camila Placa
Brasil

camilaplaca@fico.com
+55 11 5189-8258