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. Accessing, Integrating, and Applying High-Volume, Highly- Variable, Real-Time Data Sources Part One Shalini Raghavan Product Management FICO Dr. George Vaněček, Jr Product Development FICO

2. © 2014 Fair Isaac Corporation. Confidential. Forward-Looking Statements Product roadmaps and similar marketing materials should be considered forward looking and subject to future change at FICO’s discretion. Future functionality, features or enhancements as shown are FICO’s current projections of the product direction, but are not specific commitments or obligations.

3. © 2014 Fair Isaac Corporation. Confidential. What Are You Looking For From This Session ? Person - Person ► Basics of Big Data in batch and real-time ► Understanding challenges of data integration and use ► Concepts and directions for new approaches ► Explore new solutions for data integration and use ► Tactics to improve performance, cost, effort ► Implementation and operation specifics 3

4. © 2014 Fair Isaac Corporation. Confidential. The Story Of Our Offering 4 Global Retailer Large Bank Healthcare Large Grocer e-commerce Marketing Feb ‘ 12 May ‘ 12 Jun ‘ 12 Jul ‘ 12 Oct ‘ 12 Jun ‘ 13Oct ‘ 13Nov ‘ 13  Maximize the value of our different data sources,  Find unique insights linked to client state or changes in client behavior  Marry it with external data  Maximize the value of our different data sources,  Find unique insights linked to client state or changes in client behavior  Marry it with external data Sense & Respond Event Processing, Distributed Computing Analytic Processing

5. © 2014 Fair Isaac Corporation. Confidential. Good Decisions Empower the Path to Growth Improve Customer Experience Increase Market Share Reduce CostsRespond Faster 5

6. © 2014 Fair Isaac Corporation. Confidential. Challenges In Using Big Data Volume, Velocity, Variety Data-Rich, Decision Poor Far From-Smart Data Use In Real-Time Decisions Elastic, Scalable Solutions Interoperability 6

7. © 2014 Fair Isaac Corporation. Confidential. A Patchwork Quilt of Technologies Current Solutions 7 Big Data Automation Batch ETL Streaming CEP Enterprise Data Connectors Social Data Connectors Dataflow Automation Business Process Automation Reporting

8. © 2014 Fair Isaac Corporation. Confidential. Costly and Flawed Disparate Sources, Uses, Processes 8

9. © 2014 Fair Isaac Corporation. Confidential. Activating Data for Competitive Advantage 9 Transaction freq index Customer Attrition Payment Rate Delivery Type Stats Product Usage Compliance Event Raw Decision-Ready

10. © 2014 Fair Isaac Corporation. Confidential. Leverage all data—Big, Small, Fast, Slow, Different Integrate and analyze data without lengthy programming cycles Continuously turn data into “decision ready information” Integrate with existing architectures and data stores Hide complexity of technology Lower your Total Cost of Ownership What Is Needed? 1 2 3 4 5 6 10

11. © 2014 Fair Isaac Corporation. Confidential. FICO ® Data Management Integration Platform Capabilities Decision Ready Data Validation Event Processing Normalization Unified Data Acquisition Distributed Processing Analytic Processing Visualization Identity Resolution 11 Data Sources Scheduled Batch (Pull) Continuous Stream (Push) Un-Structured Semi-Structured Structured ! Decision Consumers Data Analytic & Decisioning Solutions 3 rd Party Applications

12. © 2014 Fair Isaac Corporation. Confidential. Jobs Based on Distributed Processing and Messaging … Decision Consumers Data Analytic & Decisioning Solutions 3 rd Party Applications Data Sources Scheduled Batch (Pull) Continuous Stream (Push) ! Distributed Processing Distributed Messaging Job Step Topic Job 1 n …

13. © 2014 Fair Isaac Corporation. Confidential. Leverage all data—Big, Small, Fast, Slow, Different Integrate and analyze data without lengthy programming cycles Continuously turn data into “decision ready information” Integrate with existing architectures and data stores Hide complexity of technology Lower your Total Cost of Ownership Requirements Led To Key Design Motivators 1 2 3 4 5 6 13

14. © 2014 Fair Isaac Corporation. Confidential. Overcome Batch Limitations that Delay Decisions ► Perishable data must be delivered quickly ► Real-time offers vs. billing records ► Delivery mechanisms must not rely on scheduled transfers ► Reduce cost of transfer processing ► Reduce time-to-use for data ► Eliminate bundle/unbundle cycles on large data files ► Improve data analysis speed 1. Leverage All Data Efficiently 14 Distributed Messaging Cluster Topic Distributed Processing Cluster Data Source Job Job Step Application

15. © 2014 Fair Isaac Corporation. Confidential. “Assembly” Rather than “Manufacturing” ► Select from a palette of prepackaged job steps ► Ingest a variety of data ► Eliminate custom programming ► Assemble data processing flows ► Flexible, configurable ► Account for multiple endpoints ► Monitor processing ► Use results in various downstream applications 2. Faster, Easier Data Integration and Analysis 15 Distributed Messaging Cluster Topic Distributed Processing Cluster Data Source Job Job Step Application

16. © 2014 Fair Isaac Corporation. Confidential. Focus on Use in Making Real-time Decisions ► Extract meaning from Data ► Resolve common Identities across multiple Data Sources ► Recognize Complex Events ► Generate scores ► Emit Decision-Ready Data with information prepared for smart application consumption 3. Turn Data Into Information 16 Distributed Messaging Cluster Topic Distributed Processing Cluster Data Source Job Job Step Application

17. © 2014 Fair Isaac Corporation. Confidential. Extend Functionality and Interoperate with Services ► Job Step API provides a Java framework library and API to Job Step Developers to create new job steps ► Application API provides a Java client library and API to Application Developers to connect their Applications to Topics 4. Integrate With Existing Infrastructure 17 Distributed Messaging Cluster Topic Distributed Processing Cluster Data Source Job Job Step Application

18. © 2014 Fair Isaac Corporation. Confidential. 5. Hide Complexity of Technology ► API Server/Web Server for all the support logic ► Database for storing all the tenant information, catalogs, job templates and specifications and related meta-data ► Distributed Processing Cluster for job execution ► Distributed Messaging Cluster for reliable topics staging and data delivery ► Distributed Configuration Manager for managing the processing and messaging clusters ► Staging Area for temporary storage of batch and intermediate data files 18 DB Staging Area External Identity Provider Web UI Logs Distributed Messaging Cluster Topic Distributed Processing Cluster Distributed Configuration Manager Value-Add Services API/Web Server Applications Data Source

19. © 2014 Fair Isaac Corporation. Confidential. … 1 - Real-Time Customer Experience Monitoring 19 3 rd Party Applications ► Engage more effectively with customers ► Leverage diverse data - structured and unstructured, data-in-motion and data at rest in frontline customer decisions ► Listen, Sense and Respond in real-time to customer actions, compliance goals ► Improve case management, customer experience and customer satisfaction and reduce churn

20. © 2014 Fair Isaac Corporation. Confidential. ► Real-time monitoring and improvement of business processes as they execute. ► Leverage diverse data— structured and unstructured, data-in-motion and data at rest. ► Detect outages, anomalies, changes in patterns and respond with course- correction ► Reduce risk, losses, inefficiency Operational Intelligence ! 20

21. © 2014 Fair Isaac Corporation. Confidential. ► Customer-focused real-time marketing in response to customer actions ► Leverage data from multi- channel interactions, campaigns, products and 3rd party sources ► Reduce long latencies from initial customer engagement by driving personalized, relevant actions in real-time. ► Improve customer growth and retention Sense and Respond Marketing 21

22. © 2014 Fair Isaac Corporation. Confidential. What this means for your business Operationalize more “data-driven” decisions Unified capabilities to activate variety of data Always-on processing Reduce latencies, costs, outages, with continuous improvement Packaged capabilities for Raw - Ready Improve Time-to-value, Time-to- Insight Extensible, Interoperable Leverage skillsets to extend and interoperate

23. © 2014 Fair Isaac Corporation. Confidential. The FICO ® Data Management Integration Platform: A Unique Combination of Capabilities Builds the bridge between data collection and data use Overcomes limitations in batch acquisition, analysis, application Allows faster response to real-time business opportunities Works with existing data sources, applications, and infrastructures Allows rapid development and deployment with libraries of job steps Unifies and simplifies Big Data access and automation 23

24. © 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. Thank You! Shalini Raghavan ShaliniRaghavan@fico.com (651) 486-4637 George Vaněček, Jr GeorgeVanecek@fico.com (408) 535-1541

25. © 2014 Fair Isaac Corporation. Confidential. Learn More at FICO World Related Sessions ► Part 2—A deeper dive into technology and operation. IMMEDIATELY FOLLOWING ► FICO Big Data Analyzer: Exploring and Discovering Insights from All Your Data ► The Future of Customer Personalization: How will analytics improve your customer satisfaction, loyalty and profitability? Products in Solution Center ► FICO ® Data Management Integration Platform Experts at FICO World ► Shalini Raghavan ► George Vanecek ► Tom Traughber Blogs ► www.fico.com/blog 25

26. © 2014 Fair Isaac Corporation. Confidential. Please rate this session online! Shalini Raghavan ShaliniRaghavan@fico.com (651) 486-4637 George Vaněček, Jr GeorgeVanecek@fico.com (408) 535-1541 26