ZUNO Delivers Automated Credit Decisions Using Cloud-Based FICO Originations Solution

 ZUNO Delivers Automated Credit Decisions Using Cloud-Based FICO Originations

Private cloud approach with FICO Capstone Decision Accelerator supports online
lending decisions across multiple countries

PR Newswire

MUNICH, April 9, 2013

MUNICH, April 9, 2013 /PRNewswire/ --FICO (NYSE:FICO), a leading predictive
analytics and decision management software company, today announced that ZUNO
Bank AG has implemented FICO^® Capstone^® Decision Accelerator in a private
cloud for its online lending business. Hosted in ZUNO´s data center, the
multi-tenant solution provides rapid, country-specific assessments of customer
value and risk for unsecured lending in Slovakia and the Czech Republic, and
can be easily and quickly configured for the next product or country.


ZUNO Bank is the direct bank of Raiffeisen Bank International, a leading
banking group in Central and Eastern Europe based in Austria. The direct bank
is building its business upon sustainable, robust and flexible solutions which
support its overall strategy.

"Our aim is to become the primary bank of choice for our customers, offering
deposits as well as personal loans, refinancing, contactless credit card and
overdraft via internet banking," said Petro Merkulov, Head of Risk Management
at ZUNO. "Excellent service is crucial for us, so the ability to generate
automated decisions on credit requests in a short period of time, compared
with the standard one or two days for manual underwriting will make a big
impact on our ability to achieve our goal."

In addition, the rapidly changing lending environment led ZUNO to seek a
solution that would provide direct, hands-on ability for business users to
build and maintain the policies, practices and procedures that define their
lending strategies. "Within our credit-granting process, Capstone Decision
Accelerator is the only system we can change and update directly by ourselves,
without need of assistance from IT department or the system vendor," added
Petro Merkulov.

"By implementing lean and automated processes based on an optimized cost
structure, direct banks can fully exploit the advantages of online banking and
gain a critical edge for their business," said Phillip Sertel, who manages
FICO's operations in the DACH region, Central & Eastern Europe and the Middle
East. "We have designed Capstone Decision Accelerator specifically for
accounts originations in fast-moving markets, giving business users the
ability to access the solution via the internet and to build and maintain
policies, practices and procedures by themselves. Offering these capabilities
as well as a powerful decision engine, Capstone Decision Accelerator enables
banks to automate their decisions and flexibly respond to changing market

Even more importantly, by using the rules and queuing within FICO Capstone
Decision Accelerator, ZUNO is able to detect and prevent a high quantity of
fraud attacks from the beginning and reduce fraud losses to almost zero, which
goes in line with the direct bank's high security standards.

FICO^® Capstone^® Decision Accelerator is a comprehensive, pre-configured
decision management software application built on the proven FICO^® Blaze
Advisor^® business rules management system.

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.

About ZUNO

ZUNO, the direct bank by Raiffeisen Bank International, offers savings
accounts, deposit accounts, loans, refinancing, overdrafts and contactless
credit cards, as well as mobile banking. Everything can be handled easily and
conveniently via internet. ZUNO believes in simplicity, competitive prices and
open communication with clients via e-mail, the call center, online chat and
via social media, Facebook and Twitter. More information about Czech/Slovak
representation of ZUNO BANK AG can be found at www.zuno.cz or www.zuno.sk.

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
and its last quarterly report on Form 10-Q for the period ended December 31,
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, Capstone, Blaze Advisor and "Make every decision count" are trademarks
or registered trademarks of Fair Isaac Corporation in the United States and in
other countries.


Website: http://www.fico.com
Contact: Media: Marion Schwenk, Maisberger for FICO, +49 0)89 / 41 95 99 65,
schwenk@maisberger.com; or Investors/Analysts: Steven Weber, FICO,
+1800-213-5542, investor@fico.com
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