Better Decisions to Grow, Protect and Optimize Your Business

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Solutions for all of your retail needs

• Customer Insight & Marketing

• Omni-Channel Communications

• Fraud Prevention & Alerts

• Positive Collection & Recovery

• Advanced Analytics for Optimization

• Cybersecurity & GDPR Preparation

Making the right decisions drives success; but in the world of big data and fast change, it’s not easy.

Do you want to improve customer experience, grow sales, collect debt, prevent fraud, or protect your business and customers from cybercrime?

Are you challenged by disruptive new entrants, finding the right balance between brick-and-mortar and online channels?

Our solutions work across retail businesses, at all stages of the customer lifecycle, to deliver the decisions you need for success.

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Retail

An Integrated Approach That Works Across the Retail Business

FICO solutions for retail protect your enterprise, help you grow business and margins, and reduce costs. We enable you to provide a consistent customer experience both online and in-store to scale your business and maximise customer value.

Our unrivalled range of solutions and services bring integrated and comprehensive management to a wide range of processes and functions. By applying intelligent technologies such as cloud deployment, artificial intelligence, machine learning, adaptive and prescriptive analytics, and data sharing consortia, we provide you with future-proof solutions that meet your needs now and as you grow.

“FICO gives ConAgra foods an unprecedented level of customization for our interactive marketing initiatives. We can create business logic and rules and apply them to any type of customer experience. There’s simply no need to compromise.”Head of Interactive Marketing and CRM ConAgra Foods

“FICO’s technology platform enabled us to execute a complicated direct-to-consumer marketing program. By understanding their preferences and passions, we can identify consumers across brands and experience, and learn when and how to connect with them.”Coca Cola

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Customer Insights & Marketing

Know your customers to retain and grow

If you don’t understand your customers, then you won’t put the right message in front of them at the right time, or in a way that is preferred by them. With tight margins and a competitive environment, you must deliver successful marketing campaigns that leverage the economic value of each customer while making them happy and engaged. If this doesn’t happen, you risk:

• Losing customers and failing to engage new ones

• Delivering marketing campaigns with poor ROI

• Executing campaigns for products that don’t deliver your business goals

FICO helps you make the most of your marketing investment by applying advanced analytics in an accessible, big data environment. Using rules, machine learning and artificial intelligence, we combine data from countless data sources to determine the best offers to present to each customer at the optimal time and by the right channel.

With FICO marketing solutions, you can deliver relevant marketing, at scale and with precision, so you can sell more, increase margin and improve customer satisfaction.

FICO marketing solutions — delivering valuable customer relationships.

Retail

“Using multichannel communication in segment-appropriate ways has paid off for Thames Water, increasing both collections and customer satisfaction scores.”Ross Betts, Collections Systems Strategy & Segmentation Manager, Thames Water Utilities Ltd

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Omni-Channel Communications

The right message, at the right time, via the right channel

The most rewarding customer relationships happen with effective communication. It’s not just what you say, but how you deliver your message. You need to communicate with your customers throughout the customer lifecycle. From marketing offers to account management and debt collection, communicating in the wrong way means you risk:

• Losing customers

• Damaging your reputation

• Increasing bad debt

• Landing on the wrong side of the regulator

Our customer communication solutions help you deliver the messages you need to share in a way that is appropriate and applies your customers’ preferences and permissions. This means that when customers receive your messages, they are more receptive and more likely to act on them

in the desired way. Our solutions work at scale and across all channels, including web, email, SMS, telephone and postal services. Automation means you can deliver a highly personalized communications strategy without increasing workload or overhead.

Privacy legislation such as General Data Protection Regulation (GDPR) and the Privacy of Electronic Communications Regulation (PECR) means that customer communications have become highly regulated. The FICO customer communications solution helps you comply by managing communications across all channels, incorporating the permissions your customers have given you so you don’t risk fines or sanctions from the regulator.

FICO communication services — more effective communications for more rewarding customer relationships.

Retail

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“By adding FICO tools to our existing armoury of internal and external fraud tools, we are detecting in excess of 95% of fraud cases.”Neil Chandler, CEO Financial Services & Group IT Director, Shop Direct

“We wanted to roll out an end-to-end, consolidated risk solution that allows us to create a scalable account scoring and decision engine for over 100 million transactions per day.”Multi-national online retailer

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Fraud Prevention & Alerts

Reduce fraud and protect the customers’ journey

Fraud management is an expensive overhead, and managing it isn’t as simple as stopping transactions before fraud happens and chargebacks are incurred. Retailers that don’t balance fraud protection with customer experience, or don’t automate and streamline the process, will suffer from:

• Reputational damage

• Lost business due to basket abandonment

• Higher operational costs

• Lost revenue from increased chargebacks

• Unhappy customers who won’t return

With tight margins and strong competition, poor fraud management could be the difference between success and failure.

We apply advanced analytics and machine learning across the fraud process. Working in real time, processing over 9,000 transactions per second, we can help you spot more fraud, more quickly, before loss happens. All relevant data is accurately assessed to spot more cases of real fraud, without increasing false positives or inconveniencing good customers. Cases are prioritized with intuitive case management that helps your investigators deal with the most important cases first and puts the information they need at their fingertips.

Data collaboration with other retailers in our retail fraud consortia helps you multiply the effectiveness of available data and react more quickly to developing fraud trends.

FICO fraud management — real-time fraud detection that keeps customer satisfaction at the heart of your business.

Retail

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“FICO Debt Manager has been an ideal solution for our business, and FICO has been a great partner every step of the way.”James Edwards, Enterprise Architect at Cabot Credit Management

“Debt Manager gives us the foundation to keep refining our strategies and therefore is an important factor for achieving our collections and risk goals.”Karl-Heinz Dorfmeister, Manager, International Collections Systems, Raiffeisen International

FICO currently supports more than 500 collections and recovery clients around the world, representing hundreds of millions of customers and billions of debt.

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Positive Collection & Recovery

Recover more of what you’re owed without increasing overheads

Collections and recovery is a complicated balancing act between collecting debt, the cost of recovery and the desire to retain valuable customers. Get the balance wrong and you risk:

• Losing good customers

• Increased delinquency rates

• Writing off more of the revenue you are owed

• A cost of recovery that negatively impacts profit margins

FICO’s collection and recovery solutions use predictive analytics to help you determine your debt collection strategy. We help you prioritize your resources on the debt that it is most urgent for you to collect, and where you stand the highest chance of success. Data about customer preferences is integrated to help you

communicate with each customer in the way, and by the channel, that is more likely to make them responsive and increase your success in collecting. And you can provide them with self-service capabilities that increase customer loyalty.

The solution is flexible and can easily be configured by your collections team to meet your requirements and can be adapted as changes occur or new scenarios develop. Case management and automation means that your agents always have the most up-to-date information to help them make the right decisions and speed up the collections process. Access to information and automation delivers increased efficiency at lower cost.

FICO collections and recovery — efficient, effective and flexible debt collection.

Retail

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“FICO is helping us to understand what each consumer values, so that we’ll be able to model behaviour in a predictable way and develop superior consumer relationship programs.”ConAgra Foods

“Using advanced analytics to manage the supply chain and reduce costs has become imperative. FICO Optimization has been critical to supporting the optimization needs at Nestlé USA.”Shan Collins, VP of Planning and Center of Excellence with Nestle USA’s Supply Chain

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Advance Analytics for Optimization

Strike the right balance between profit, risk and customer-centricity

In the information age, few industries have been so completely transformed as retail. Today’s retailer exists in a fast-paced, digitised world where change is constant, margins are small and competition is fierce. Consumers demand easy access to suppliers who can provide the right product at the right price, via the right channel. Surviving — and ultimately thriving — depends on making the best decisions and optimizing every process in both physical and online environments. It can transform your ability to respond to external factors such as:

• Economic downturn — maximise customer value as spending habits shift

• Labour — manage scheduling efficiencies, utilization of FTEs, and increased employee satisfaction and retention

• Merchandise planning — manage inventory against unsold surplus stock, or insufficient stock and missed sales

• Supply chain optimization — identify opportunities to increase margins through improved supplier selection, contract terms, clearance processes and much more

• Property and online presence costs — maximising location value and overhead costs, balanced against online presence effectiveness

FICO optimization solutions for retail deliver rapid, easy and powerful creation, customization, deployment and management of prescriptive analytic applications for retailers of all sizes, encompassing the entire lifecycle from customer acquisition and loyalty programs to supply chain management and space optimization.

Built on the world’s most powerful and scalable optimization platform, our solutions help retailers make smarter, faster decisions that account for all the complexities and constraints your business faces. Available on-premises and in the cloud, our solutions also empower business users to test scenarios, enable collaborative visualization and reporting of results, and execute comparative “what-if” analysis.

FICO optimization solutions — helping you to make the best decisions and take the right actions, across your entire retail lifecycle.

Retail

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The FICO® Enterprise Security Score helps retailers understand their cybersecurity status and that of the businesses they want to work with

Understand your risk of a data breach in the coming year.

Manage and improve your cybersecurity risk posture.

Assess the cybersecurity risk posture of your suppliers, partners and competitors.

CommercialSources

Breach Events

CompiledSources

Darkweb

Spamhaus, etc.

Details of global breaches incidents D&B, Lexis

Nexis, etc.

Passive Scan Info

Open ports, version / patches, expired certs,

etc.

We access billions of external data points at internet scale, and compare the

subject’s cybersecurity posture to the pre-breach status of known attacks. We apply

our analytics to this data to give you an empirically derived score, so you can:

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Retail

Cybersecurity & GDPR Preparation

Protect your customers and your business from the risk of a data breach.

In 2017, 75% of UK retailers reported they had seen an increase in attempted data breaches. The frequent news headlines about losses of customer data suggest this isn’t going to change anytime soon. Retailers hold a large volume of rich consumer data and this makes them a target for cyber-criminals. The upcoming General Data Protection Regulation (GDPR) means that financial penalties for losing customer data will increase significantly. Without understanding the level of risk they are exposed to, it is very difficult for retailers to determine how to deal with it. Those that don’t manage cyber-risk are in danger of a breach that could mean:

• Reputational damage

• Heavy fines and other penalties

• Aggrieved customers who may take their business elsewhere

• Large costs associated with recovery from a breach

The FICO® Enterprise Security Score measures the likelihood that you will suffer a data breach in the coming 12 months. To deliver the FICO Enterprise Security Score, we access billions of external data points at internet scale and apply our analytics to give you an empirically derived score.

You can measure the cybersecurity risk of your organization, or any organization you want to work with, to see the risk you are inheriting from your supply chain. We provide the information behind your cybersecurity score so you can see where you need to take action, and you can measure the effect of improvements on your overall cybersecurity posture.

FICO Enterprise Security Score — understand cybersecurity risk and manage it effectively.

FICO is a registered trademark 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. © 2017 Fair Isaac Corporation. All rights reserved. 4478BR_EN 12/17 PDF

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ABOUT FICO

FICO (NYSE: FICO) is a leading analytics software company, helping businesses in 100+ countries make better decisions that drive higher levels of growth, profitability and customer satisfaction. The company’s groundbreaking use of big data and mathematical algorithms to predict consumer behavior has transformed entire industries. FICO provides analytics software and tools used across multiple industries to manage risk, fight fraud, build more profitable

customer relationships, optimize operations and meet strict government regulations. Many of our products reach industry-wide adoption — such as the FICO® Score, the standard measure of consumer credit risk in the United States. FICO solutions leverage open-source standards and cloud computing to maximize flexibility, speed deployment and reduce costs. The company also helps millions of people manage their personal credit health.

@FICO @FICO