Bayern Card-Services Protects Credit Cards with FICO Fraud Solution

FICO (NYSE:FICO), the leading provider of predictive analytics and decision management technology, announced today that it will provide analytics-based fraud protection through Bayern Card-Services GmbH (BCS), a company of the s-Finanzgruppe. BCS will implement FICO™ Falcon^® Fraud Manager via a technical processor to more efficiently protect Germany´s largest credit card network, with more than 5.7 million cards.

BCS is one of the leading credit card processors in Germany. Some 300 savings banks and other banks within the s-Finanzgruppe, such as Deutsche Kreditbank, rely on BCS.

FICO™ Falcon^® Fraud Manager will enable BCS to more efficiently execute transaction evaluations to determine fraud risk. The integration of the FICO Falcon score into the business rules management system increases the precision and accuracy of fraud detection, and at the same time reduces the administration efforts for BCS. The principal advantages of using FICO’s advanced neural networks to detect fraud are expected to be a decline in fraud losses, an increase in customer satisfaction due to fewer "false positive” false classifications, and faster identification of new fraud schemes.

"On the basis of our experience and expertise, we were able to enormously grow our business within the last 15 years," said Monika Kummer, head of Risk Management with BCS. "The implementation of a leading solution for fraud detection is a decisive milestone for further expansion of our business. With FICO Falcon Fraud Manager, we are in a safe position in our fight against abuse related to Visa and MasterCard cards.”

Phillip Sertel, FICO senior director for DACH, Central & Eastern Europe, explained: "We have seen a growing demand for fraud detection in Germany, Austria and Switzerland, where credit card use is expanding. The increasing number of cards has attracted fraudsters, and with fraud jumping up the demand for powerful fraud detection has increased dramatically.”

FICO™ Falcon^® Fraud Manager is the most accurate and comprehensive solution for detecting payment card fraud, reducing losses by up to 50 percent. Around the world, 17 of the top 20 credit card issuers rely on the FICO Falcon system to protect more than two billion active payment card accounts. Approximately 65 percent of credit cards worldwide are protected by FICO Falcon.

About 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, 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.

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