FICO Joins The CardLinx Association

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

Sobre FICO
FICO (NYSE: FICO) es una empresa líder de software de analítica que ayuda a negocios de más de 90 países a tomar mejores decisiones que incrementen el crecimiento, la rentabilidad y la satisfacción del cliente. El innovador uso de Big Data y de algoritmos matemáticos por parte de la empresa para predecir el comportamiento del consumidor ha transformado sectores enteros. FICO ofrece software de analítica y herramientas que se emplean en múltiples sectores para gestionar riesgos, combatir el fraude, crear relaciones con clientes más rentables, optimizar operaciones y cumplir con estrictas regulaciones gubernamentales. Many of our products reach industry-wide adoption. These include the FICO^® Score, the standard measure of consumer credit risk in the United States. Las soluciones FICO emplea estándares de código abierto y cloud computing para maximizar la flexibilidad, hacer despliegues más rápidos y reducir costes. La empresa también ayuda a millones de personas a gestionar su salud crediticia personal. FICO: Make every decision count™. Learn more at www.fico.com.

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