ZUNO Bank Executes Event-Driven, Multi-Channel Marketing with FICO Business Rules Technology

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MUNICH—March 7, 2012—FICO (NYSE:FICO), the leading provider of analytics and decision management technology, today announced that ZUNO Bank AG of Austria has created an event-driven marketing system powered by FICO® Blaze Advisor® business rules management system. ZUNO’s next-generation system creates tailored marketing offers in response to a customer’s most recent activity, which improves customer response and increases product penetration while strengthening customer satisfaction and loyalty. ZUNO Bank is the direct bank of Raiffeisen Bank International AG (RBI), a leading banking group in Central and Eastern Europe and Austria.

In response to new activity by a ZUNO customer, FICO Blaze Advisor updates the customer’s profile, calculates their most likely needs based on their life-stage and other information, determines which of 60 campaigns is the best match, and tailors the marketing message and delivery channel to the customer. A closed-loop feedback system records customer responses to improve future actions and results.

“Our CRM system helps us understand our customers much better, and give them personalized treatment,” said Peter Fusek, CRM director for ZUNO. “FICO Blaze Advisor is critical to this system, not only orchestrating the actions we take but also enabling us to be consistent in our interactions with customers across all communications channels. We chose FICO based on the high performance of its system and the excellent experience Raiffeisen Bank International has had working with FICO on risk management.”

ZUNO built this system on an open campaign management framework that will enable ZUNO’s team to extend the system to new countries and other areas of the business, such as client support, product activation, credit scoring and collections. The system includes a customer data mart, a contact history and the FICO® Blaze Advisor® business rules management system for orchestration of event-driven marketing and calculation of customer profiles. Blaze Advisor gives business users control of the business rules, which increases business agility.

“One of our goals was to move from hard-coded rules in our systems to more flexible rules managed by business users,” said Fusek. “The marketing team’s involvement in setting the rules in Blaze Advisor led to fast adoption. By giving our marketing team control over their rules, we have shortened the execution of ad-hoc marketing campaigns from two days to a matter of minutes.”

The system, which went live in December, communicates with customers through ZUNO’s internet banking channel, SMS and email. Currently ZUNO distributes marketing offers overnight in batch mode, but in the next phase the system will communicate offers in real time.

“Real-time, event-driven marketing is the goal of every customer-centric business,” said Phillip Sertel, who manages FICO’s operations in DACH and in Central and Eastern Europe. “ZUNO has architected a true state-of-the-art marketing campaign system that helps it understand its customers better and use that understanding to build stronger, more profitable relationships.”

About FICO
FICO (NYSE:FICO), formerly known as Fair Isaac, 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 industry-leading solutions for measuring credit risk, 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.

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About Raiffeisen Bank International
Raiffeisen Bank International AG (RBI) regards both Austria, where it is a leading corporate and investment bank, and Central and Eastern Europe (CEE) as its home market. In CEE, RBI operates an extensive network of subsidiary banks, leasing companies and a range of other specialised financial service providers in 17 markets.

RBI is the only Austrian bank with a presence in both the world's financial centres and in Asia, the group's further geographical area of focus. In total, around 60,000 employees service about 13.7 million customers through around 2,900 business outlets, the great majority of which are located in CEE.

RBI is a fully-consolidated subsidiary of Raiffeisen Zentralbank Österreich AG (RZB). RZB indirectly owns around 78.5 per cent of the common stock, the remainder is in free float. RBI's shares are listed on the Vienna Stock Exchange. RZB is the central institution of the Austrian Raiffeisen Banking Group, the country's largest banking group, and serves as the head office of the entire RZB Group, including RBI. http://www.rbinternational.com, http://www.rzb.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, 2011, and its latest quarterly report for the three months ending December 31, 2011. 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, Blaze Advisor and “Make every decision count” are trademarks or registered trademarks of Fair Isaac Corporation in the United States and in other countries.

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