BOCOM is First Bank in China to Fight Fraud Using Leading FICO Analytic Solution

   BOCOM is First Bank in China to Fight Fraud Using Leading FICO Analytic

China's fifth-largest bank leads drive to improve fraud detection rates and
protect customers from emerging fraud schemes.

PR Newswire

BEIJING, Jan. 28, 2013

BEIJING, Jan. 28, 2013 /PRNewswire/ -- FICO (NYSE:FICO), the leading provider
of analytics and decision management technology, today announced that China's
Bank of Communications (BOCOM) has selected FICO^® Falcon^® Fraud Manager to
protect the bank and its customers from payment card fraud. BOCOM, one of four
oldest banks in China, will be the first Chinese bank to implement FICO's
industry-leading fraud solution, which is used by more than 9,000 financial
services organizations worldwide to protect more than 2.5 billion active card
accounts, including more than 50 million in the Asia-Pacific region.


China's Bank of Communications, with HSBC, established the China Bank of
Communications Pacific Credit Card Center in 2004. Like most Chinese banks,
the bank was using a combination of third-party and in-house systems to manage
and track fraud, but its systems lacked real-time detection capabilities and
could not recognize new types of fraud. After a competitive review, BOCOM
chose FICO's solution on the strength of its global track record.

"Our goal is to protect our customers' card security while ensuring that they
have a good experience at the point of transaction," said Dr. Liu Xuanqing,
director of the risk department, Pacific Credit Card Center. "With FICO's
solution, we are confident we can considerably reduce losses in transaction
fraud and also generate fewer false positives, resulting in a more protected
environment for our customers."

This marks the second time BOCOM has been first-to-market with a FICO
application, as the bank previously has implemented FICO^® TRIAD^® Customer
Manager, FICO® Model Builder, FICO® Capstone® Decision Accelerator, in
addition to other FICO decision management applications.

"China's consumer banking industry has experienced explosive growth, but with
that growth comes criminals seeking to perpetrate fraud," said John Chen,
managing director for FICO in China. "By selecting FICO Falcon Fraud Manager,
BOCOM has raised the standard for performance for the entire industry, with
real-time detection of both known fraud schemes and those that are likely to
emerge in the future."

FICO® Falcon® Fraud Manager has been proven to reduce fraud losses as much as
50%, saving US card issuers more than $10 billion over the last 20 years, and
Asia-Pacific issuers more than $1.7 billion. The solution uses neural network
models, patented cardholder profiles and business rules to detect fraud.

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 Learn
more at FICO: Make every decision count^™.

For FICO news and media resources, visit

About China Bank of Communications Pacific Credit Card Center

In year 2004, China Bank of Communications and the HSBC cooperated to
establish China Bank of Communications Pacific Credit Card Center. Based on
the local advantage of China Bank of Communications Pacific Credit Card Center
and global advantage of HSBC, the China Bank of Communications Pacific Credit
Card Center strives to create "Chinese Global Cards" and intend to provide
users worldwide preferential treatment and caring services. The Credit Card
Center has launched a series of "Pacific" title card such as China Bank of
Communications Pacific Dual-Currency Credit Card, China Bank of Communications
Pacific Y-power Credit Card, China Bank of Communications Pacific Liu Xiang
Visa Credit Card, China Bank of Communications Pacific Wal-Mart Credit Card,
China Bank of Communications Pacific Suning Credit Card, China Bank of
Communications Pacific Aviation Secretary Credit Card, China Bank of
Communications Pacific Business Credit Card. For more information, please

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


Contact: Lauren Dettloff, FICO, +65-9277-7957,; Steven
Weber, +1-800-213-5542,
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