Fair Isaac Enterprise Decision Management Solution Speeds Account Originations at Turkey's Akbank

Fair Isaac Corporation (NYSE:FIC), the leading provider ofanalytics and decision management technology, announced today thatAkbank, Turkey's largest privately owned bank, is successfullyutilizing Fair Isaac Enterprise Decision Management (EDM) technologyfor a more targeted and efficient loan origination approach.

In response to growing application volumes, Akbank recentlylaunched "CepKredi" (English translation: "Speedy -- Cell Credit"), anew service which allows consumers to apply via their cell phone formortgages, general purpose credit and auto loans. The service ispowered by Fair Isaac's decision engine for account origination, whichapplies advanced analytics and segmentation decision rules to helpAkbank automate and streamline origination decisions and improvecustomer service.

The integration of Fair Isaac's EDM solution into Akbank's accountorigination processes enables the lender to preapprove consumer loanswithin 20 minutes or less of the applicant's call. The applicant isnotified of Akbank's pre-approval offer via an interactive voiceresponse (IVR) call or SMS text message, which includes interest rateand installment plan information. Akbank now receives 40 percent ofpersonal loan applications via CepKredi. Eighty-five percent of theseapplications receive an immediate accept/decline decision withoutrequiring additional data.

"The implementation of Fair Isaac's origination decisioningsolution has helped us meet our business growth and customersatisfaction goals and establish us as the most progressive financialservices provider in Turkey," said Zafer Kurtul, Akbank's CEO."CepKredi advances the Turkish consumer credit market by offeringconsumers a flexible, speedy and convenient service. Just a few monthsafter rolling out CepKredi, this delivery channel is alreadyaccounting for 15 percent of Akbank's total daily credit assessments,positioning us as the leader in this market segment."

Akbank's portfolio managers can easily design and test complexdecision strategies without programming support and upload them toAkbank's origination and underwriting system. When a new loanapplication is processed, it is automatically routed through Akbank'schosen decision strategy to the appropriate action -- such as accept,or request additional information. The solution scores applicantsbased on internal and external data sources, such as credit bureaudata. Approved consumer loans are available at any Akbank branch.Applicants with little or no credit histories are invited to visit abranch for a more detailed application process.

"Businesses worldwide have embraced a customer-centric approach tomanaging their loan portfolios, knowing that the return on investmentcan be fast and remarkable," said Susan Sperl, vice president ofGlobal Origination Solutions. "Akbank's investment in advanceddecision management technology has helped solidify its reputation as abanking leader offering superior customer service within the boomingand highly competitive Turkish payment card market."

Akbank is currently using several other Fair Isaac EDMapplications, including a suite of Fair Isaac customer models andCustomer Management TRIAD(TM), which enables the bank to furtherautomate key credit decisions and better manage risk at the customerlevel by allowing the lender to design, continually test and refineits strategies. Akbank also recently selected Fair Isaac's Falcon(TM)ID solution to protect its business and customers from identity fraud.These solutions enable Akbank to optimize lending practices and extendproduct usage by treating customers consistently across all productand critical decision areas.

The Turkish lender increased its market share from six percent to18 percent over the past four years, while controlling risk andmaintaining its focus on providing the highest levels of customerservice.

"Credit grantors in Turkey and throughout Europe who are seekingto expand their consumer credit lending business to broader segmentsof the population require leading-edge systems that enable them tosafely and efficiently underwrite new accounts and optimize theircustomer decisions," said Robert Duque-Ribeiro, vice president ofInternational Sales at Fair Isaac. "Fair Isaac has been rapidlyexpanding its presence in the country, and we look forward to helpingleading financial institutions in the region use our industry-standardEDM solutions to take control of complex decision processes andleverage them for a competitive advantage."

About Akbank

Founded in 1948, Akbank ranks as Turkey's largest private sectorbank with regard to profitability and market value as of year-end2004. In addition to core banking activities, Akbank also offers awide range of retail, commercial, corporate, private banking andinternational trade finance services. Non-banking financial, capitalmarket and investment services are provided by the Bank's subsidiariesincluding Ak Leasing, Ak Securities, Ak Investment Fund, Ak AssetManagement and Ak Pension Fund.

Akbank carries out its activities through its Head Office inIstanbul and 13 Regional Directorates in Turkey. With a strong andextensive distribution network that includes 633 branches, Akbank alsoprovides services through Retail and Corporate Internet Branches, callcenter, 1,440 ATMs, 125 BTMs, 190,000 POS terminals and the latesttechnology channels such as kiosks, cell phones and pocket PCplatforms.

About Fair Isaac

Fair Isaac (NYSE:FIC) makes decisions smarter. The company'ssolutions and technologies for Enterprise Decision Management givebusinesses the power to automate more processes, and apply moreintelligence to every customer interaction. Through increasing theprecision, consistency and agility of their decisions, Fair Isaacclients worldwide increase sales, build customer value, cut fraudlosses, manage credit risk, reduce operational costs, meet changingcompliance demands and enter new markets more profitably. Founded in1956, Fair Isaac powers hundreds of billions of decisions per year infinancial services, insurance, telecommunications, retail, consumerbranded goods, healthcare and the public sector. Fair Isaac also helpsmillions of individuals manage their credit health through thewww.myfico.com website. Visit Fair Isaac online at www.fairisaac.com.

Statement Concerning Forward-Looking Information

Except for historical information contained herein, the statementscontained in this press release that relate to Fair Isaac, includingstatements regarding its decision engine for account origination,TRIAD and Falcon Fraud Manager product offerings, and the benefits tobe derived from these offerings, are forward-looking statements withinthe meaning of the "safe harbor" provisions of the Private SecuritiesLitigation Reform Act of 1995. These forward-looking statements aresubject to risks and uncertainties that may cause actual results todiffer materially, including any unforeseen technical difficultiesrelated to the implementation, use and functionality of the offerings,the risks that customers will not perceive material benefits from theofferings, failure of the products to deliver the expected results,the possibility of errors or defects in the offerings, regulatorychanges applicable to the use of consumer credit and other data, andother risks described from time to time in Fair Isaac's SEC reports,including its Annual Report on Form 10-K for the year ended September30, 2005, and its quarterly report on Form 10-Q for the period endedMarch 31, 2006. Forward-looking statements should be considered withcaution. If any of these risks or uncertainties materializes or any ofthese assumptions proves incorrect, Fair Isaac's results could differmaterially from Fair Isaac's expectations in these statements. FairIsaac disclaims any intent or obligation to update theseforward-looking statements.

Fair Isaac, TRIAD and Falcon are trademarks or registeredtrademarks of Fair Isaac Corporation, in the United States and/or inother countries. Other product and company names herein may be thetrademarks of their respective owners.