FICO Debuts Analytics-Powered Marketing Solutions for Transforming Big Data into Big Marketing

MINNEAPOLIS—September 26, 2012—FICO (NYSE: FICO), the leading provider of predictive analytics and decision management technology, today announced analytics-powered “Big Marketing” solutions that link predictive analytics, decision optimization and Big Data with state-of-the-art interactive customer dialogue management. The new solutions enable marketers to plan, execute and manage high-volume campaigns precisely targeted to individual customers, balancing the trade-offs between customer preference and business objectives by using advanced analytics. The first two new Big Marketing solutions are FICO^® Customer Dialogue Manager, which include capabilities resulting from FICO’s acquisition of Entiera earlier this year, and FICO^® Analytic Offer Manager.

Marketing is being transformed by the advent of social networking, mobile computing, cloud computing and Big Data. The profusion of marketing channels make it more challenging than ever for marketers to target a message precisely to the right place, at the right time and in the right context. Marketers need new tools that enable them to execute highly strategic and advanced marketing strategies, leveraging predictive analytics with large amounts of customer data in order to optimize every marketing interaction's effect on customer engagement and the bottom line.

"Modern consumers are exposed to an estimated 5.000 brand messages daily," said Don Peterson, vice president of marketing solutions at FICO. "Marketers need to be much more thoughtful about their marketing campaigns to cut through the noise and connect with their customers in ways that are meaningful to both parties. FICO enables marketers to build and manage targeted campaigns that scale to tens of millions of transactions a day - capabilities that are essential for any large consumer brand, bank or retailer."

Companies in retail, consumer goods, healthcare, insurance and banking like AGIA and Sam's Club are using FICO Big Marketing solutions. FICO has also partnered with firms such as Meredith Xcelerated Marketing to jointly deliver Big Marketing solutions to their clients.

“Spotting trends and predicting consumer behavior is the promise of big data in retail,” said Gale Daikoku, research director at Gartner. “Doing this online is a snap, but using real-time analytics across all channels including physical stores – not to mention social media – is another story. Consumers do not think in terms of channels. They expect their shopping experience to be seamless. For leading retailers, creating a consistent brand experience is an enormous challenge, but it’s also what will separate the winners from the losers.”

FICO^® Customer Dialogue Manager is the latest iteration of the marketing platform that FICO acquired from Entiera in May. It enables customers to build a centralized marketing database. It also includes campaign management and reporting system that supports real-time customer interactions through all business channels, including social media and mobile channels. Because FICO Customer Dialogue Manager is available as a service, marketers can be up and running on the platform quickly with no capital investment and minimal IT support. FICO Customer Dialogue Manager enables marketers to achieve true dialogue management with its next-generation architecture that includes real-time web services connectivity to customer channels and the ability to derive value from Big Data.

FICO^® Analytic Offer Manager enables businesses to meet each customer’s individual needs with marketing offers that also improve the bottom line. It predicts not only what type of offer each customer is likely to respond to, but also when the customer is most likely to respond. Combining industry-leading predictive analytics and business rules with FICO’s optimization engine, the application develops highly personalized offers that match the customer’s purchasing propensities while meeting the marketer’s business objectives.

FICO Customer Dialogue Manager and FICO Analytic Offer Manager are available today from FICO.

Sobre 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 www.myFICO.com. Learn more at www.fico.com. FICO: Make every decision count™.

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

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.