Shop Direct Selects FICO Analytic Solutions to Drive Business Growth

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London—March 14, 2011—FICO (NYSE:FICO), the leading provider of analytics and decision management technology, today announced that Shop Direct Group, the UK’s largest online and home shopping retailer, is implementing the latest versions of FICO® TRIAD® Customer Manager and FICO™ Decision Optimizer, along with FICO decision models and optimization methodology. The adoption of these FICO solutions is part of an effort to segment customers more precisely for offers and optimize credit line management strategies.

Shop Direct Group operates a number of retail brands that sell to consumers primarily through catalogs and websites, including Littlewoods,, isme, and Choice. The group serves customers in the UK, Ireland and continental Europe.

A long-time user of FICO® TRIAD® Customer Manager, Shop Direct migrated to the newer version after a rigorous review of solutions on the market. TRIAD Customer Manager is the industry’s leading credit customer management solution, with sophisticated strategy design and visualization capabilities to drive customer treatment decisions. Shop Direct will use TRIAD Customer Manager to get to know customers better and formulate offers that match their buying behavior. TRIAD Customer Manager will also enable the retailer to manage multiple accounts of a single customer as one relationship.

“Shop Direct Group is dedicated to improving every aspect of the customer experience,” said David Poole, Shop Direct Financial Services’ chief operating officer. “Our long history with FICO has shown us that they have the advanced analytic solutions, knowledge and skill to help us deliver on that promise.”

FICO has worked on a number of successful optimization projects with Shop Direct, dating back to 2004. Shop Direct decided to use the FICO™ Decision Optimizer software for its own internal modeling projects after seeing how it could be used to support decision strategies across the customer lifecycle. Shop Direct also chose FICO™ QuickStart Optimization methodology, which accelerates deployment of optimized decision strategies, and makes it easier to manage and update models as economic or business conditions change. The FICO optimization solutions will be used initially for optimizing credit lines, with plans to extend optimization to other areas such as marketing, originations and collections.

“With competition intensifying online, retailers need the most sophisticated tools to cultivate customer loyalty while managing their credit exposure,” noted Mike Gordon, FICO managing director for Europe, the Middle East and Africa. “We’re confident that our analytics and optimization solutions will help differentiate Shop Direct in the eyes of its customers, and give it a meaningful advantage over its competitors.”

About FICO
FICO (NYSE:FICO) transforms business by making every decision count. FICO’s Decision Management solutions combine trusted advice, world-class analytics and innovative applications to give organizations the power to automate, improve and connect decisions across their business. Clients in 80 countries work with FICO to increase customer loyalty and profitability, cut fraud losses, manage credit risk, meet regulatory and competitive demands, and rapidly build market share. FICO also helps millions of individuals manage their credit health through the website.

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, 2010. 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.

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