Customer Management TRIAD version 2.0

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1 FACT SHEET Customer Management TRIAD version 2.0 Harness the Power of Customer-level Decisions Fair Isaac s Customer Management TRIAD adaptive control system, version 2.0 (CMT 2.0), helps forward-thinking lenders throughout the world profitably manage customer relationships that span many different product lines and channels. CMT 2.0 combines decades of Fair Isaac s analytic, decision technology, consulting and data management expertise to form an automated strategy management and decision system that manages risk at the customer level. Since the late 1990s, lenders in Europe have been using the analytics in CMT to recognize and respond to complete customer relationships. Now, with the introduction of CMT 2.0, businesses throughout the world gain access to a more powerful and flexible customer management solution that facilitates the informed use of customer data to deliver business intelligence. CMT 2.0 moves beyond tactical decision making to more insightful and profitable strategic management of customer relationships. It weighs all facets of a customer relationship rather than relying on fragmented, account-level data to drive decisions. CMT 2.0 is a strategic decision engine that addresses a key CRM objective for companies with high-volume decision management needs to consistently manage customers according to their individual potential across all touchpoints. Fair Isaac s TRIAD adaptive control system: The core of CMT 2.0 CMT 2.0 builds on the decision techniques long proven effective by TRIAD, the world s leading account management system, which today supports more than 250 clients worldwide. Since the mid-1980s, TRIAD users have had the ability to quickly develop, implement and test different credit and marketing strategies. With TRIAD at its core, CMT 2.0 incorporates data from all the customer s accounts for a full, multi-dimensional view that improves risk management and marketing decisions. CMT 2.0 and Basel II compliance Fair Isaac believes that CMT 2.0 plays an important role in meeting regulatory compliance standards, including Basel II compliance. CMT 2.0 calculates behavior scores at the customer level and enables the use of these scores in key portfolio management decision areas. These behavior risk scores can be used in calculating probability of default. Fair Isaac s Professional Services staff can help you address Basel and regulatory compliance, and they can also help your enterprise attain best-practice credit risk management. CMT 2.0 meets business needs across industries Mid- to large-sized companies in the financial services, retail, telecommunications and other industries are choosing CMT 2.0 to achieve key business objectives. CMT 2.0 wraps up all products held by a customer into a single view and this insight is then used in automated strategy design and deployment to help businesses:

2 Understand who their customers are, and pinpoint those they want to retain Allocate customer exposure across multiple products Apportion customer limits to multiple product lines Cross-sell and up-sell to existing customers to boost share of wallet React more quickly to changing market conditions Lower operational costs and stress on IT resources through decision automation Ensure consistent communications across channels: Web, branch network, call center, etc. Manage strategies consistently across key decision areas CMT 2.0 segments decision strategies into three key areas for efficient and flexible strategy management. This modular approach permits departmental control over strategies for different areas of your business, while ensuring that customers receive consistent treatment across all decision areas and touchpoints. It also supports phased implementation, so you can start with a single decision area and add others as appropriate. CMT 2.0 drives profitable decisions in each of the following areas: Credit Facilities: Exposure management for improving profits by expanding the buying power of the best customers while limiting the exposure on those who are riskier. Collections: For collecting on higher-risk customers early and giving lower-risk customers time to self-correct. The result is more dollars collected and reduced collections costs and losses. Marketing Communications: For more profitable cross-selling, building customer loyalty, and targeting solicitations to low-risk, profitable customers. How CMT 2.0 works: Data in/decisions out CMT 2.0 works in concert with your internal systems to deliver consistently fast, accurate decisions for the many customer actions that collectively drive your profitability. Companies wanting to add the power of customer-level decision making to their operations can implement CMT 2.0 without forfeiting their investments in other decision engines such as TRIAD or Fair Isaac Blaze Decision System software. Instead, CMT 2.0 works seamlessly with these systems and others. When a decision is needed, your business application sends a request to CMT 2.0, along with information such as data on total product holdings, application data, and demographic data, allowing CMT 2.0 to formulate decisions. CMT 2.0 automatically generates variables, calculates scores and applies appropriate decision criteria. The resulting decision or recommendation is returned to the requesting program for immediate action. Powerful features of CMT 2.0 CMT 2.0 has enhanced capabilities for designing, implementing, testing and refining the strategies that are most profitable for your portfolio. Build your own strategies. Design powerful, customer-level decision strategies with tools that include: Copyright 2003 Fair Isaac Corporation. All rights reserved. 2

3 Easy-to-use PC-based authoring tool Decision tree facility lets you visualize strategies as you build them Up to 35 decision keys per strategy Large library of standard and user-defined decision keys Preview the impact of new strategies. Know the operational impact of your strategies, and implement only the best. What if estimators, graphically displayed, allow fast strategy development Fair Isaac s Model Builder for Decision Trees technology generates online estimators and optimizes strategy segmentations Power your strategies with the right models. Swiftly deploy models to drive your strategies. Fair Isaac s Blaze Decision System technology allows up to 10 score types to be calculated concurrently at the customer level Model Editor lets you input analytic models and includes support for models such as additive, regression, and backprop neural networks XML-based import facility lets you import models developed by Fair Isaac Expansive array of reason code calculators ensures compliance with consumer disclosure and regulatory requirements Leverage an array of system and user-defined functions. Deep functionality supports complex, finely tuned strategies. Fair Isaac s Blaze Decision System technology generates the decision keys, providing a pool of 250 standard and 150 user-defined keys to enable granular segmentation and targeting of strategies English-like syntax enables business users to create complex rules, calculations and characteristics Support for all commonly used mathematical expressions including Log, Tanh, and Exp Selection of pre-built functions facilitate user input to routine decision-making tasks Continuously improve strategy performance. Use proprietary adaptive control techniques to refine your strategies. Built-in testing facility makes it easy to specify, test and deploy champion and challenger strategies Lets you simulate the outcome of challenger strategies using historical data you can evaluate more strategies and limit real world testing to only the most promising challengers Reporting and analysis. CMT 2.0 comes with a comprehensive suite of report templates for monitoring strategy and model performance. Both standard and ad-hoc reports are generated using Business Objects software. Copyright 2003 Fair Isaac Corporation. All rights reserved. 3

4 Also included with CMT 2.0 Security Protection. Stringent security and audit controls protect decision strategies and functions deployed via CMT 2.0. Actions on the PC-based business user interface are subject to audit controls, which log and report all changes. Additionally, user access to different areas of the interface is controlled. This prevents users from inadvertently accessing and affecting customer decisions outside their sphere of responsibility. Product Documentation. Companies that purchase CMT 2.0 receive a complete set of technical and user documentation, including a CMT 2.0 User s Guide, a CMT 2.0 System Guide, and a client-specific CMT 2.0 Project Guide. Installation and Support Services. A highly structured delivery process ensures that all CMT 2.0 installations and upgrades are implemented efficiently. An installation team including technical and strategy consultants works with every new client to tailor a combination of strategies and functions designed to meet their unique corporate objectives. Situation Analysis. A situation analysis provides a thorough review of client business objectives and requirements, and is highly recommended. This analysis provides insight into desired architecture, process improvements, data issues and related business benefits. Strategy Consulting. Fair Isaac offers in-depth strategy design and performance evaluation support throughout the installation period. This support includes strategy design training and close collaboration on all strategy design issues. Clients who subscribe to Fair Isaac s Strategy Consulting Services also receive detailed validation reports for any Fair Isaac-developed expert and/or custom scoring models that are deployed, and receive automatic registration for the bi-annual Fair Isaac Adaptive Control Users Exchange. Other Consulting Services. Fair Isaac offers a variety of optional consulting services, including strategic CRM consulting that provide insightful guidance on refining CRM strategies that build your company s competitive differentiation. User Meetings. Every other year, Fair Isaac hosts the Adaptive Control Users Exchange conference to which all CMT 2.0 users are invited. This conference discusses advances in the use of scoring and strategies, previews forthcoming additions to CMT 2.0, and allows users to network with their peers and with Fair Isaac consulting staff. In addition, clients are invited to attend Fair Isaac s annual InterACT conference, which is designed to help credit, direct marketing, and customer management professionals understand the issues surrounding strategic decision making, and the latest advancements in Fair Isaac s supporting technology. Training. The combination of training, installation and support services, ongoing Strategy Consulting, and client-specific project guide documentation provides a customized learning environment for each client. Tailored training courses are also available on request. Operational Requirements for CMT 2.0 Host-system Considerations. Fair Isaac supports CMT 2.0 running on the host system using the IBM COBOL for OS/390 and VM V2RI or higher compiler. A listing of the client server requirements is provided on the following page. Copyright 2003 Fair Isaac Corporation. All rights reserved. 4

5 CMT 2.0 Components Running on the Server Integrated components using Fair Isaac Blaze Decision System software Hardware: Pentium III 650 MHz (minimum), 512 MB RAM, 16 GB hard drive (minimum) Software: Microsoft Windows 2000 Advanced Server, Service Pack 2; SQL Server 2000 Enterprise Edition, Service Pack 2; Visual C++ 6.0, Service Pack 4; Microsoft Internet Explorer , Service Pack 2 or IE 6.0, version ; Microsoft Excel 2000 (optional); Microsoft Visio (optional) Integrated components using Business Objects software Hardware: 2 Intel Xeon processors, 2 GB RAM; Storage: 50 GB (in RAID-5) for tallied data reports Software: Microsoft Windows 2000 server, Service Pack 2; SQL Server , Service Pack 2; Microsoft Excel 2000 CMT 2.0 Components Running on Client Workstations Integrated components using Fair Isaac Blaze Decision System software Hardware: Pentium III processor, 450 MHz (minimum), 128 MB RAM (minimum) Software: Microsoft Windows 2000 Professional, Service Pack 2; Microsoft Internet Explorer , Service Pack 2 or IE 6.0, version ; Microsoft Excel (optional); Microsoft Visio (optional) CMT 2.0 PC Table Maintenance System (PCTMS) The following minimum hardware standards are acceptable, however, faster processors with greater memory capacity are preferred. Hardware: Pentium 266 MHz processor, 128 MB RAM, 100 MB hard drive, at least 75 MB of free space on the C drive Software: Microsoft Windows 2000 Professional Server, Service Pack 2 with English settings; Microsoft Internet Explorer 5.5 (or higher version); Microsoft Network (where PCTMS is installed for networked operation) Integrated Components using Business Objects software Hardware: Pentium processor, 90 MHz (minimum), 32 MB RAM (minimum), 25 MB disk space, CD-ROM drive Software: Microsoft Windows 2000 Professional, Service Pack 2; Microsoft Excel 2000; SQL Server Client Integrated Components using Fair Isaac s Model Builder for Decision Trees Hardware: 64 MB RAM (minimum), 2.35 MB disk space Software: Microsoft Windows 95, 98, NT 4.0, W2K; Microsoft Internet Explorer 4.02 (or higher version) About Fair Isaac Fair Isaac Corporation (NYSE:FIC) is the preeminent provider of creative analytics that unlock value for people, businesses and industries. The company s predictive modeling, decision analysis, intelligence management, decision management systems and consulting services power more than 25 billion mission-critical customer decisions a year. For more information, visit Fair Isaac and TRIAD are trademarks or registered trademarks of Fair Isaac Corporation, in the United States and/or in other countries. Other product and company names herein may be trademarks or registered trademarks of their respective owners. Copyright 2003 Fair Isaac Corporation. All rights reserved. Corporate Headquarters: 200 Smith Ranch Road San Rafael, CA from the US from anywhere info@fairisaac.com Offices Worldwide: Brazil, Canada, France, Germany, Japan, Singapore, Spain, United Kingdom, United States FS 05/03 PDF