FICO ® Decision Management Suite

© 2015 Fair Isaac Corporation. All rights reserved. 1

DECISION MANAGEMENT SUITE

Rapidly act on data-driven insights to engage customers and propel your business

The FICO® Decision Management Suite was designed from the ground up as an integrated suite of tools to allow businesses to easily and cost-effectively create fully customizable analytically powered applications. It is a complete cloud or on-premises solution to ingest and explore data (streaming or at rest), discover analytic insights, execute analytics in operational decisions, create and deliver engaging web and mobile applications, and track and improve analytic models and decision strategies.

The Decision Management Challenge • Have you ever thought about what kind of “first impression” your business shows to

customers, prospects, partners and even regulators?

• Have you wondered how you can improve your customer relationships, loyalty or engagements given today’s challenges around data, channels and economic conditions?

• Do you treat your customers consistently throughout the engagement lifecycle, from marketing through onboarding, cross- and up-selling, and even collections?

• Are you optimizing business needs with customer-appropriate options in every engagement?

Decision Management can help address these challenges. Decision management solutions accelerate the cycle from analyzing data and gleaning insights to delivering operational decisions that drive profitable customer engagements. They empower business experts with the control to manage and improve customer offers or decision strategies through the use of rules, predictive modeling and optimization technologies.

With FICO® Decision Management Suite you can achieve:

More than 70% reduction in application development time

More than 90% reduction in time to deploy any type of models

60% reduction in maintenance costs

5%–40% increased decision accuracy through more powerful analytics

Historically, only the highest priority projects have been able to benefit from decision management. The challenges in installing and integrating decision management solutions include their cost, time-to-deployment and time-to-insight, as well as mastering their complexity (particularly with regard to customization and integration). And while the increasing mainstream adoption of Big Data infrastructure (Hadoop-based distributed file storage and related query tools) holds the promise of connecting customer data with business managers, Big Data itself doesn’t address the inherent complexities of finding actionable insights in that data.

To address these challenges, FICO offers the FICO® Decision Management Suite, an integrated decision management infrastructure comprising platform, data and analytic software. With the FICO Decision Management Suite, organizations of all sizes can develop, deploy and scale solutions that can grow and evolve as business needs, regulations, economies and customer preferences change over time.

Introducing the FICO® Decision Management SuiteThe FICO® Decision Management Suite, powered by the FICO® Decision Management Platform, gives businesses streamlined and powerful functionality for creating, customizing, deploying and managing analytically-powered decision applications. It allows organizations to quickly integrate virtually any combination of analytic tools and components from FICO and/or other vendors. Ultimately, it provides a comprehensive environment that makes it quick and easy to glean insights from data, and develop analytic models and decision services that operationalize those insights.

By leveraging open source technologies and industry standards, the FICO Decision Management Suite is not only a complete end-to-end solution for creating analytically powered applications, but also one that easily complements existing BI, visualization, or other analytic investments. This means that these powerful tools provide tremendous flexibility either as one-off investments or collectively as a suite. This unique and versatile capability helps organizations that are stuck with multiple analytic and other decision management solutions, with no way to combine them effectively for maximum decisioning value.

FICO’s entire solution suite is available as either an on-premises implementation or cloud-based solution. To this end, FICO has created its own cloud environment, the FICO® Analytic Cloud, which includes the necessary computing, storage and networking capabilities designed and optimized for decision management solutions. The FICO Analytic Cloud has the highest levels of data security, including compliance with PCI and

the HIPAA act to insure any customer analytic deployments meet the most rigorous standards. While there are distinct benefits to running the FICO Decision Management Suite on the FICO Analytic Cloud (such as very quick access to patches and updates), FICO has gone the extra mile to allow customers to request private cloud on-premises deployments, hybrid cloud and on-premises implementations, or a third-party cloud install.

The combination of third-party software interoperability and the diverse deployment options means that the FICO Decision Management Suite can provide the broadest range of customer functionality for fully integrating real-time, big data-powered analytic applications for any industry and use case.

DECISION MANAGEMENT SUITEFICO® Decision Management Suite


FICO® Decision Management Suite is a complete solution to ingest and explore data (streaming or at rest), discover analytic insights, execute analytics in operational decisions, create and deliver engaging web and mobile applications, and track and improve analytic models and decision strategies.



FICO® Decision Management Platform is an integrated set of cloud and on-premises services for rapidly executing, deploying and operationalizing a wide range of decision and analytic services, including those within the FICO Decision Management Suite and third-party solutions. It includes a unified data mart as well as APIs to connect the various Suite and other components. The Platform handles security, scalability, lifecycle management, and data integration for your solutions and their components

FICO® Big Data Analyzer is an analytics environment for business users, analysts and data scientists to gain valuable insights from the exploration and analysis of any type and size of data on Hadoop. Making Big Data accessible while masking Hadoop complexity, it allows all users to drive business value from any data.

The sheer volume, velocity and variety of Big Data make it extremely challenging to find the right data for your decisions. The FICO® Data Management Integration Platform allows organizations to run analytics on streaming data, and also provides data ingestion capabilities.

FICO® Data Orchestrator is a data retrieval and mapping solution that can access, gather and transform data from corporate or public facing information services, such as credit reference agencies. FICO Data Orchestrator’s lightweight, platform-agnostic execution architecture allows for either on-premises or cloud deployment. The open, pluggable architecture lets developers incrementally add new data interfaces to an existing system, or construct a product library to use in other implementations.

FICO® Decision Management Suite Components

The FICO Decision Management Suite includes the following modules, which can be deployed in various combinations depending on your business objectives.

FICO® Data Management Integration Platform

Create, manage and execute on data from a variety of sources

FICO® Data Orchestrator

Enable flexible, high-performance data intelligence across your organization

FICO® Big Data Analyzer

Discover insights from Big Data on Hadoop

FICO® Decision Management Platform

Integrated services to deliver decision and analytic solutions

“We’ve achieved significant value from consolidating multiple decision-making systems, which is saving us hundreds of thousands of dollars in licensing and maintenance over time while making my staff’s lives easier.”Global Financial Services Provider Using FICO® Decision Management Suite



FICO® Analytic Modeler encompasses several tools for creating predictive models from data, evaluating the quality of each model and exploring each model’s composition. FICO Analytic Modeler tools support models created with FICO and non-FICO technologies, and also support all levels of model development skill sets — from business analyst (with limited analytic capabilities but business expertise) through seasoned data scientists and developers. FICO Analytic Modeler components include the following:

FICO® Analytic Modeler ScorecardBuilt for business analysts who are new to predictive modeling, this intuitive software helps businesses automatically create effective predictive models and gain insight into their effectiveness. Setting it apart from other scorecard solutions, FICO® Analytic Modeler Scorecard provides interactive visualizations that give insights into the most important predictive patterns and the most important factors driving business outcomes.

FICO® Analytic Modeler Scorecard Professional powered by XenoThis tool allows analysts to rapidly and easily develop powerful and sophisticated predictive models that balance competing objectives, align with business expectations and meet regulatory requirements. It efficiently adjusts for imperfect data with selection bias correction and imperfect data treatments. It also allows the user to balance risk and reward to create more actionable models. And it lets users document best-in-class, transparent, regulation-compliant models at the push of a button.

FICO® Analytic Modeler Decision Tree Professional This robust segmentation tool integrates data-driven rules with policies supporting business objectives, helping organizations identify the best actions to reach those objectives. It allows business analysts to evaluate multiple perspectives and assign relevant actions from a SaaS environment to improve collaboration and reduce costs.

FICO® Analytic Modeler for RFICO® Analytic Modeler for R provides data scientists with a robust computing platform and a powerful, productive, industry-leading IDE to develop descriptive and predictive models using open source R.

FICO® Model Executors for PMML and SPLMFICO® Model Executors make it quick and easy to deploy Predictive Modeling Markup Language (PMML) models or SAS programming language models (SPLM) as scalable services within analytically powered applications built using FICO® Application Studio, or as standalone Web services to enhance existing applications.

FICO® Analytic Modeler

Predict customer behaviors to power better decisions



FICO® Decision Modeler brings world-leading FICO® Blaze Advisor® decision rules management system to the cloud. FICO Decision Modeler accelerates smarter decisions and customer connectivity through ease of integration with analytic and optimization services, along with decision modeling and simulation. Hosted in the FICO® Analytic Cloud, Decision Modeler provides maximum control, agility and actionability for high-volume operational decisions — leveraging services provided by the FICO® Decision Management Platform for deployment, provisioning, reporting and data management.

FICO® DMN Modeler supports organizational decision making by modeling the structure of the entire decision-making process, leveraging the new Decision Modeling and Notation (DMN) standard. Particularly for enterprise business architects with responsibility for tens or hundreds of thousands of decisions every day, decision making must focus on how a decision is produced — and everything that goes into it — and not just on knowing when, where and by whom it is executed.

Built on our award-winning FICO® Xpress Optimization Suite, FICO® Optimization Modeler makes it easy to create, deploy and utilize business optimization solutions with scalable high-performance algorithms, a flexible modeling environment, and rapid application development and reporting capabilities. FICO Optimization Modeler lets teams work in a collaborative environment with interactive visualization and an interface designed for the business user to work with models in business terms and understand trade-offs and sensitivities implicit in the business problem.

FICO® Application Studio helps organizations create analytically powered applications that engage customers and evolve fast — up to 10 times faster — to build with greater agility and evolve as business needs change. Now businesses can build and deliver applications that drive customer engagement across all touchpoints, aligned with business goals and strategies. Using Application Studio, insights from Big Data analytics can also be embedded to produce more relevant interactions and offers, securely, with applications that are mobile-ready, and that can be deployed in the cloud or on premises.

FICO® Visual Insights Studio is an integrated data visualization and reporting tool that enables business experts to track their strategies and find their own insights by visually exploring data captured from decision services running on the Decision Management Platform. It makes it easy to create reports and dashboards that quickly expose trends in customer behavior and strategy outcomes, and drill down into the details to identify opportunities to improve business results.

FICO® DMN Modeler

Improve decision-making precision using the new DMN standard

FICO® Optimization Modeler

Effective optimization modeling, robust solvers and a user-friendly interface

FICO® Application Studio

Rapidly deliver enterprise applications built to change at the speed of business

FICO® Visual Insights Studio

Data visualization and reporting that drive performance and agility

FICO® Decision Modeler

Define, execute and manage the decisions that run your business



The sheer number of vendors offering decision management capabilities can be daunting for organizations in the market for solutions. FICO Decision Management Suite simplifies the choice of a cloud- or on-premises based decisioning and actioning platform, as its open architecture is specifically designed to leverage the investments organizations have already made in analytic (e.g., SAS, IBM) and other (e.g., ERP, SCADA) solutions, while providing the speed, scalability and agility to evolve over time.

Connect to and leverage Big Data to determine the best decisions: Sort and sift through to extract value from an increasing avalanche of data — proprietary and third-party — and optimize decision making by creating and automating consistent business rules and models that efficiently drive smarter decisions.

Faster and easier time-to-value: Quickly and consistently implement business decisions based on customer insight and rapidly changing market and business conditions.

Lower costs and reduce barriers to implementation for predictive analytics and decision management solutions development: Regardless of business industry, size or location, it’s easier, faster and more cost-effective than ever to use the most advanced decision management solutions.

Readily integrate FICO and third-party apps and tools on a single platform: More easily share and leverage data, data models and decision management across all solutions/tools.

Reduce risk and increase ROI for the ultimate in optimized business decision infrastructure: A web-based, PaaS offering provides the customizable, easy-to-use tools for any business to get started today and realize benefits in hours.

Connect analytics and business strategies across organizations for best practices and consistency: Adopt a common means of applying data analytics and decision management across organizations in order to consistently improve decision performance and help drive regulatory compliance.

Measure impact of changes before they happen: Immediately visualize business impacts of decision components, and simulate candidate changes to decision components before they go into production.

Why Choose FICO® Decision Management Suite?

FICO and Blaze Advisor 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. © 2015 Fair Isaac Corporation. All rights reserved. 4163PS_EN 09/15 PDF

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FICO® Decision Management Suite in Action In addition to speeding up deployment and modification of applications, FICO® Decision Management Suite enables business users to build decisioning solutions with robust logic, analyze available data in real-time for more accurate decisioning, and take advantage of sophisticated optimization features that recommend or automatically take actions that lead to the most beneficial of predicted outcomes, given known constraints. Ultimately, operationalizing decision management helps organizations evolve from reactive decision making to proactive actions that balance both consumer and business needs, while simultaneously providing decision transparency for both regulatory and internal audit reviews.

Next StepsFICO Decision Management Suite recasts how organizations make analytically driven, business-critical decisions in a transformed world by providing a cost-effective and easy way for you to evaluate, customize, deploy and scale state-of-the-art analytics and decision management solutions. It delivers FICO’s award-winning decision components for rules, analytics and optimization and big data analytic components; as well as the ability to develop and deploy solutions on-premises or in the cloud. As a result, you can continually deliver operational decisions that drive better business performance, higher response rates and stronger compliance.

Learn more about FICO® Decision Management Suite at

www.ficoanalyticcloud.com


Real companies, real resultsThe businesses below chose FICO® Decision Management Suite as it allows them to rapidly deploy and easily modify decision management applications, without relying on IT resources. Here are some of the benefits they’ve achieved within months:

• A payment processor cut decision times from days to minutes, keeping merchants happy and reducing costs

• A bank optimized origination processes to increase application profits by 19%

• A global communications leader can now generate multiple customer scenarios quickly, reducing exposure to high-risk customers while driving profits without lifting acquisition costs

• A water utility saw automated developer applications increase from 40% to 80%

• A captive auto lender used optimized deal structuring to reduce annual losses by $12 million annually, while converting potential lost deals to profitable business

Software

FICO ® Decision Management Suite