Leading European Microlender Ferratum Will Use FICO Model Builder to Centralize Model Development Across 15 Countries

LONDON—May 26, 2011—FICO (NYSE:FICO), the leading provider of analytics and decision management technology, today announced that the Ferratum Group, the largest mobile microlending institution in Europe, will use FICO™ Model Builder 7,1 to develop more than 100 predictive models to support its growth in 15 countries over the next two years.

Headquartered in Helsinki, Ferratum provides short-term, unsecured microloans to borrowers across 15 countries, serving up to 1 million customers worldwide. Ferratum's modelling team will use FICO Model Builder to build different models for different products and countries, and will explore creating models for different sales channels. The demand to build a high volume of models with a small team drove the selection process, in which FICO Model Builder beat products from SAS and other competitors.

"Our aim was to find a system that we can use to produce more than 100 models by the end of 2014," said Marcus Siljander, Risk Manager at Ferratum Group. "We needed a system that is very fast and easy to use in order to minimize the need for a huge staff. FICO Model Builder gives us a common development approach with a well-structured process, which increases our speed of development while allowing us to keep our staff costs low. It also meets our requirement of using multiple modeling technologies. FICO Model Builder provides everything we need in a modeling tool now and for the future."

"We are seeing tremendous momentum with FICO Model Builder, as analytic teams at companies like Ferratum look to build more models more frequently, without hiring more staff," said Mike Gordon, FICO vice president and managing director for Europe, the Middle East and Africa. "More companies than ever are investing in predictive analytics, and for developing predictive models nothing beats FICO Model Builder."

FICO™ Model Builder 7,1 combines industry breakthroughs in scorecard development functionality with a highly visual interface and 64-bit certification to solve very large modeling problems. Model Builder can reduce model deployment costs by as much as 75 %, while shortening time-to-value and improving model ROI.

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 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. FICO: Make every decision count™.

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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 and its last quarterly report on Form 10-Q for the period ended March 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.

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