What’s New in FICO® TRIAD® Customer Manager 8.5

Today’s challenging economic environment has put new demands on risk management.

In order to give our clients greater ability to succeed, FICO has dramatically enhanced the strategy design and visualization capabilities in FICO TRIAD 8.5. The Decision Graph component will help you view, create, edit, maintain and explain your most sophisticated strategies.

Decision Graph, the second generation of the module introduced in TRIAD 8.4 as Strategy Designer, opens up multiple new windows of visibility into your strategies and enables you to work with elaborate decision trees in an efficient, simplified manner. This dynamic graphical tool helps you “get your head around” a large, complex strategy and focus in quickly on the specific parts of it you need to think about.

TRIAD Customer Manager version 8.5 also includes enhancements to the TRIAD Analytic Datamart. Now you can perform more flexible data aggregation for extracts. You can also simulate the performance of custom decision keys that could deliver competitive advantage—without having to implement them and collect production data. Use the TRIAD Analytic Datamart to calculate the keys from unique variables in your data, then run the resulting datasets through your decision trees in Decision Graph. Very quickly you’ll have a good idea of how a proposed custom key will impact your results and whether implementation is worthwhile.

Other advantages of upgrading to TRIAD 8.5 include support for the latest versions of the FICOTM Blaze Advisor® business rules management system and Business Objects (BO XI R3.1) Desktop Intelligence.

customer management

Reduce strategy size, complexity by 25% or more

Decision Graph, an innovative new tool for visualizing and improving decision strategies, comes standard in TRIAD Customer Manager version 8.5. It enables you to visually explore and automatically optimize your strategies for efficiency as well as compare two strategies to see where they apply different logic. Using Decision Graph with the TRIAD Analytic Datamart, you can also more easily explore strategies that give you a competitive edge by simulating custom decision keys based on your unique data.

With Decision Graph, you can compare two strategies logically by instantly transforming them into a common format so they share an identical ordering of decision keys. Use highlighting to understand where one strategy assigns a different action than the other.

Compare strategies side-by-side

With Decision Graph you can:

Improve strategy visibility •and accelerate processing by automatically optimizing your strategies for efficiency

Compare strategies based not only •on structure, but on logic

Explore and explain strategies by •instantly switching views, zoom levels, highlight criteria

Populate your strategies with data, •dynamically highlighting decision keys as data flows through them

Develop more competitive •strategies by quickly simulating the impact of custom decision keys based on data unique to your portfolio

www.fico.com Make every decision countTM

Decision Graph features »in TRIAD 8.5

Strategy design. Build strategies from scratch and edit existing strategies in leveled tree, graph, and/or action graph representation.

Strategy comparison. Compare two strategies (e.g., Champion and Challenger), focusing on the logical (as opposed to structural) differences between strategies.

Quick exploration (bottom left). Easily switch between leveled horizontal and vertical displays of standard tree, exception and action graph formats. Zoom out from a detailed view to a bird’s eye view to understand where a strategy segment fits into the whole. Follow a path across a large strategy. Conditional filtering. Use filters on a strategy to show only segments of the strategy that meet certain conditions. For example, show only the segments of the strategy where Cycles Delinquent ≥ 2, Behavior Score > 670 and Months on Books ≤ 6.

Decision Graph exploration

Tree

Directed Acyclic Graph (DAG) Action Graph (AG)

Exception DirectedAcyclic Graph (EDAG)

Action Graph (AG)

© 2010 Fair Isaac Corporation. All rights reserved. page 2

Features Benefits

Integrates Decision Graph 2.0 functionality

into PC Table Maintenance System

Enhances TRIAD Analytic Datamart,

including the ability to create strategy

performance reports by SPID, Digit

Group, & Scenario

Increases maximum number of scenarios

per to 9,999 for Reissue, Repricing,

Marketing Communications and

Configurable Decision Area

Upgrades to FICO™ Blaze Advisor®

business rules management system 6.7

Upgrades to BO XI R3.1 (Desktop Intelligence)

Accelerate your strategy design and review

while creating more effective and

efficient strategies. Use new strategy

visualization to explain complex strategies

to management, customers, and regulators.

Use this powerful data set to optimize

strategies and models, drill down into

individual data records, and produce

reports that are not part of the standard

TRIAD report library.

Apply even more unique treatments for

these decision areas than you could in

previous versions of TRIAD.

Get new strategies into production faster

with streamlined authoring, enhanced

rule lifecycle management, and faster

rules updating functionality.

Use the latest reporting advances from

Business Objects.

FICO, TRIAD, Blaze Advisor and “Make every decision count” are trademarks or registered trademarks of Fair Isaac Corporation in the United States and in other countries. Other product and company names herein may be trademarks of their respective owners. © 2006-2010 Fair Isaac Corporation. All rights reserved.

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Strategy estimation, visualization and profiling. Populate newly developed strategies with datasets generated from actual production runs and graphically show how these new strategies would perform. Using datasets you can show count/percent at each node, identify paths with highest frequency counts, N or more counts, N% greater or less than total counts. The profile table provides a comprehensive statistical description of the data in relation to the strategy, while the node profile makes it possible to see detailed information about the data that reaches any node in the strategy. For example, you can see the average behavior score of the account records that would pass through the node or the number of records that reach each action (scenario) that is downstream from the node.

Efficiency optimization. Automatically reorder node levels to simplify visualization and improve processing performance. Locks nodes you want to remain unaffected.

Availability of Decision »Graph and TRIAD 8.5

Decision Graph is an integrated component of FICO TRIAD 8.5, and is also available as a desktop upgrade for clients on TRIAD 8.1.2, 8.2.2, 8.3 and 8.4.

FICO has made TRIAD 8.5 an easy implementation for clients using TRIAD 8.3 and 8.4. Since TRIAD 8.5 mainly involves changes to the user interface and reporting platform, you should need to do little or no end-to-end system testing.

Decision Graph estimation and profiling option

Decision Graph enables you to view simulated results at each node, drill into node profiles, and see a profile table that provides a comprehensive statistical description of the data in relation to the strategy.

FICO® TRIAD® Customer Manager version 8.5 is available in early 2010 as an end-user installed application.