Fair Isaac Corporation provides analytic, software and data management products and services that enable businesses to automate, improve and connect decisions. The company provides a range of analytical solutions, credit scoring and credit account management products and services to banks, credit reporting agencies, credit card processing agencies, insurers, retailers, healthcare organizations, and public agencies. The company’s predictive analytics, which includes the FICO Score, and the company’s decision management systems leverage the use of Big Data and mathematical algorithms to predict consumer behavior and power various customer decisions each year. The company also serves consumers through online services that enable people to purchase and understand their FICO Scores. Segments The company operates through three segments: Applications, Scores, and Tools. Applications segment This segment includes pre-configured decision management applications designed for a specific type of business problem or process, such as marketing, account origination, customer management, fraud, collections and insurance claims management, as well as associated professional services. These applications are available to the company’s customers as on-premises software, and majority are available as hosted, software-as-a-service applications through the FICO Analytic Cloud. The company develops industry-tailored decision management applications, which apply analytics, data management and decision management software to specific business challenges and processes. These include credit offer prescreening, insurance claims management and others. The company’s applications primarily serve clients in the banking, insurance, healthcare, retail and public sectors. During the year ended September 30, 2015, the company continued to expand its product offerings for the FICO Analytic Cloud, resulting in increased sales opportunities by accommodating small to midsize businesses that benefit from the cloud-based solutions. Marketing Applications The chief offerings for marketing are the company’s FICO Analytic Offer Manager and FICO Customer Dialogue Manager. These solutions offer a suite of products, capabilities and services designed to integrate the technology and analytic services needed to perform context-sensitive customer acquisition, cross-selling and retention programs and deliver mathematically optimized offers. The company’s marketing solutions enable companies that offer multiple products and use multiple channels (companies, such as large financial institutions, consumer branded goods companies, pharmaceutical companies, retail merchants and hospitality companies) to execute customer interactions. Services offered in the company’s marketing solutions include customer data integration services; services that enable real-time marketing through direct consumer interaction channels; campaign management and optimization services; interactive tools that automate the design, execution and collection of customer response data across multiple channels; and customer data collection, management and profiling services. Originations Applications The company provides solutions that enable banks, credit unions, finance companies, alternative peer-to-peer and online lenders, auto lenders and other companies to automate and improve the processing of requests for credit or service. The new version of the company’s origination application, FICO Origination Manager, is an application-to-decision processing solution, available both on premises and in the FICO Analytic Cloud. The company’s other solutions include the Web-based FICO LiquidCredit service, which is primarily focused on credit decisions and is offered primarily to mid-tier banking institutions. The company also offers custom and consortium-based credit risk and application fraud models. Customer Management Applications The company’s customer strategy management products and services enable businesses to automate and improve risk-based decisions for their existing customers. These solutions help businesses apply advanced analytics in account and customer dec
fair isaac corp (FICO:New York)
181 Metro Drive
San Jose, CA 95110
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