FICO Ranked “Best-in-Class” for Loan Decisioning and Enterprise Support in Consumer Loan Origination Systems Technology Analysis

Investor & Financial Information
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MINNEAPOLIS – October 23, 2012 – FICO (NYSE: FICO), the leading provider of predictive analytics and decision management technology, today announced that it has been named “best-in-class” in consumer loan origination systems in a new technology assessment conducted by CEB TowerGroup analysts. The technology assessment evaluated 17 consumer loan origination systems against 23 attributes across four categories.

FICO ranked highly in all four categories — sales and applications, loan decisioning, loan processing and enterprise support — and received top marks in loan decisioning and enterprise support. FICO® Origination Manager received strong rankings for its demonstrated ability to leverage data to manage risk and improve lending performance, as well as for its ability to align with lenders’ enterprise-wide technology strategies.

“The CEB TowerGroup technology-analysis process provides a customer-driven, transparent, and unbiased review designed to drive informed business decisions,” said CEB TowerGroup senior research manager Craig Focardi. “Vendors, like FICO, who are able to meet customer needs including sales and loan applications, loan decisioning, loan processing and enterprise support will be in a position to meet different customer needs and requirements.”

“A CEB TowerGroup assessment is the benchmark for evaluating loan origination systems,” said Stuart Wells, chief product and technology officer at FICO. “FICO invented this category back in the early 1970s, and we continue to invest in innovation that enables clients to grow their loan portfolios, adapt quickly to changing market conditions and make more competitive offers to borrowers.”

FICO® Origination Manager is the next-generation, application-to-decision originations solution designed explicitly for today’s credit challenges. It is a powerful, business-user configurable solution for assessing customer potential value and risk at the credit application stage, with modeling and optimization capabilities to help sharpen underwriting effectiveness, respond quickly to changing regulations and capture profitable business.

About 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

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, 2011 and its last quarterly report on Form 10-Q for the period ended June 30, 2012. 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.

Technology Assessment Disclaimer
CEB does not endorse any vendor, product or service depicted in our CEB TowerGroup publications and does not advise technology users to select only those vendors rated “best in class.” CEB TowerGroup research publications consist of the opinions of CEB TowerGroup’s analysts and should not be construed as statements of fact. CEB disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.

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