1. © 2014 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent. Osvaldo Driollet, Ph.D. Principal Scientist - Director FICO Colette Glaeser Product Management Director FICO Adding Text to the Analytics Mix How to Blend Insights from Text, Sentiment, and Traditional Data Mining for Better Analytics

2. 2 © 2014 Fair Isaac Corporation. Confidential. 1. An integrated text mining and Natural Language Processing (NLP) approach for extracting precious hidden information on vast amounts of different kinds of data, from inside and outside the enterprise. Key Messages Turning Unused Data into Dollars requires a powerful and intuitive approach to unlocking hidden valuable insights form mixed, text rich data, to enable better modeling strategies and business decisions. 2. Turn-key services can automate the analysis and exploration of unstructured data and unleash the power of Visual Analytics to reveal insights. 3. Better business decisions are the natural consequence of better data insights.

3. 3 © 2014 Fair Isaac Corporation. Confidential. Internal Customer Data External Customer Data Social Data Purchase History Customer Profiles Loyalty Programs Call Center Data Customer Communications Geographic Demographic Consumer Reports User Generated Content Ratings and Reviews Forums Twitter, Facebook. Linkedin Google+ Increasing data variety and complexity Enterprise Data Big Data 85% unstructured FICO ® Analytic Modeler for Text Billions of Lost Insights The Unstructured Data Opportunity

4. 4 © 2014 Fair Isaac Corporation. Confidential. Actions Prescriptive Analytics What customers should I target? How should I do it? What should I do? Pre-emptive Analytics What can I offer the customer before they realize the need? Can I do more? Diagnosis Analytics What exactly is the problem? What actions are needed? Why Happened? Descriptive Analytics How many? How often? Where? Who is involved? What Happened? Predictive Analytics What will Happen? What if these trends continue? What could happen if…? What is next? Which is the best possible outcome? Information Insights for Decisions Better Insights for Better Decisions and Improved Performance FICO Analytic Modeler for Text Better decisions through better data insights FICO ® Analytic Modeler for Text FICO ® Solution Stack

5. 5 © 2014 Fair Isaac Corporation. Confidential. Data Insights from FICO ® Insight Miner Can Lead to Better Business Decisions by Helping Add Social Media insights into business intelligence schemes Improve Business Assessment Minimize Risk Increase Response Rate for Marketing Campaigns Curb Customer Attrition Detect Fraud Create Better Predictive Models Explore Customer Experience Management (CEM) strategies Anticipate Resource Demands

6. 6 © 2014 Fair Isaac Corporation. Confidential. Preprocessing, Indexing and Meta data support Multi-format support Multi-language support Security Layer Text Mining Statistical Analysis Entity Extraction Sentiment Analysis Fraud and Risk Mitigation Predictive Modeling Insurance Assessment Marketing Campaigns Customer Experience Management Social Media Analysis Interactive Data Visualizations Customizable Dashboards, Queries and Filters Interactive Insights Visualization and Discovery Business Solutions Data Access Analytic Services FICO ® Analytic Modeler for Text FICO ® Analytic Modeler For Text

7. 7 © 2014 Fair Isaac Corporation. Confidential. Demo of Selected Uses Cases Getting Started (application overview and data access) Core text Analysis Named Entity Recognition Sentiment Analysis Visualization of Results Discovery 7

8. 8 © 2014 Fair Isaac Corporation. Confidential. o Automates the analysis and exploration of unstructured data o Enables more sophisticated descriptive and predictive models when used with the FICO Solution Stack and the FICO Analytic Cloud The Power to Discover Better decisions through better data insights o Facilitates actionable intelligence for improved business performance. o Extracts valuable insights by embedded Visual Analytics. o Discovers hidden patterns and sentiment buried in text with less time and effort. o Offers a rich and easy to use set of integrated data mining tools FICO ® Analytic Modeler For Text

9. 9 © 2014 Fair Isaac Corporation. Confidential. Demo Use Case (Public Data) National Highway Transportation and Security Administration Database http://www.safercar.gov/Vehicle+Owners

10. 10 © 2014 Fair Isaac Corporation. Confidential. Natural Language Processing Statistical Analysis Text Mining Entity Extraction Sentiment Analysis FICO ® Analytic Modeler For Text The Power to Discover Visual Data Exploration FICO ® Analytic Modeler for Text Feature Selection Preprocessing and Filtering Normalization Information Theory Information Retrieval Dedicated Dashboards Machine Learning for - Classification - Clustering - Recommendation - Topic Modeling FICO ® Analytic Modeler for Text integrates Data Mining, Statistical Analysis, NLP and Machine Learning under the same roof. Time series Analysis Better decisions through better data insights Topic Identification Automatic Summarization Content Analysis and Extraction Ontology Management And we are working to add…

11. 11 © 2014 Fair Isaac Corporation. Confidential. Demo Use Case (Enterprise Data) AAA Michigan Insurance

12. 12 © 2014 Fair Isaac Corporation. Confidential. FICO ® Analytic Modeler For Text Accuracy: FICO’s Comparative Advantage (*) http://www.cs.york.ac.uk/semeval-2013/task2/ F-Measure: Weighted combination of Precision and Recall Precision: Percentage of documents correctly classified over the total found Recall: Percentage of documents correctly classified over the actual total

13. 13 © 2014 Fair Isaac Corporation. Confidential. Better decisions through better data insights Blogs and Social Media Online Forums Review Sites Email and Messages Market and Consumer Reviews Call Center Notes and Transcripts News and Articles Sentiment and Emotions Customer Defined Entities Named Entities Metadata Predictive Features Hidden Patterns Customer Service Financial Services Reputation Mgement Banking and Insurance Risk Management CEM and CRM Insights from almost any data source Extracting almost any feature For virtually any application To drive better business decisions FICO ® Analytic Modeler For Text The Power to Discover

14. 14 © 2014 Fair Isaac Corporation. Confidential. THANK YOU! Our Most Special Thanks to the FICO Team that made all of this possible: Ray Ghanbari - Software Engineering V.P. Carlos Saraiva - Principal Architect Aritra Chatterjee - Lead Engineer Mac Belniak - Product Manager Director Howard Chen - Lead Designer Aaron Smith – Engineer Reza Sadoddin - Lead Scientist Bala Bhat - QA Lead Vishal Tyagi - QA Lead Lokesh Pant - Engineer Jayant Ameta - Engineer Karthik Balasundaram - Engineer Sudeshna Sengupta - Sr. Manager Mark Fields - Sr. Engineer Jocelyn Qian - Engineer M Abdul Salam - Manager Tarun Garg - Engineer Romil Sandal - Engineer Sharath Kumar – Engineer Raghu Subramanyam - Sr. Engineer Austin

15. 15 © 2014 Fair Isaac Corporation. Confidential. Please rate this session online! Osvaldo Driollet Principal Scientist FICO Colette Glaeser Product Management Director FICO