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

Origination Solution Helps Lender Automate and
Pre-Approve Consumer Loan Applications via Cell Phone
within Minutes; Delivers Fast Return on Investment

Fair Isaac Corporation (NYSE:FIC), the leading provider of
analytics and decision management technology, announced today that
Akbank, Turkey's largest privately owned bank, is successfully
utilizing Fair Isaac Enterprise Decision Management (EDM) technology
for a more targeted and efficient loan origination approach.
In response to growing application volumes, Akbank recently
launched "CepKredi" (English translation: "Speedy -- Cell Credit"), a
new service which allows consumers to apply via their cell phone for
mortgages, general purpose credit and auto loans. The service is
powered by Fair Isaac's decision engine for account origination, which
applies advanced analytics and segmentation decision rules to help
Akbank automate and streamline origination decisions and improve
customer service.
The integration of Fair Isaac's EDM solution into Akbank's account
origination processes enables the lender to preapprove consumer loans
within 20 minutes or less of the applicant's call. The applicant is
notified of Akbank's pre-approval offer via an interactive voice
response (IVR) call or SMS text message, which includes interest rate
and installment plan information. Akbank now receives 40 percent of
personal loan applications via CepKredi. Eighty-five percent of these
applications receive an immediate accept/decline decision without
requiring additional data.
"The implementation of Fair Isaac's origination decisioning
solution has helped us meet our business growth and customer
satisfaction goals and establish us as the most progressive financial
services provider in Turkey," said Zafer Kurtul, Akbank's CEO.
"CepKredi advances the Turkish consumer credit market by offering
consumers a flexible, speedy and convenient service. Just a few months
after rolling out CepKredi, this delivery channel is already
accounting 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 complex
decision strategies without programming support and upload them to
Akbank's origination and underwriting system. When a new loan
application is processed, it is automatically routed through Akbank's
chosen decision strategy to the appropriate action -- such as accept,
or request additional information. The solution scores applicants
based on internal and external data sources, such as credit bureau
data. Approved consumer loans are available at any Akbank branch.
Applicants with little or no credit histories are invited to visit a
branch for a more detailed application process.
"Businesses worldwide have embraced a customer-centric approach to
managing their loan portfolios, knowing that the return on investment
can be fast and remarkable," said Susan Sperl, vice president of
Global Origination Solutions. "Akbank's investment in advanced
decision management technology has helped solidify its reputation as a
banking leader offering superior customer service within the booming
and highly competitive Turkish payment card market."
Akbank is currently using several other Fair Isaac EDM
applications, including a suite of Fair Isaac customer models and
Customer Management TRIAD(TM), which enables the bank to further
automate key credit decisions and better manage risk at the customer
level by allowing the lender to design, continually test and refine
its 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 extend
product usage by treating customers consistently across all product
and critical decision areas.
The Turkish lender increased its market share from six percent to
18 percent over the past four years, while controlling risk and
maintaining its focus on providing the highest levels of customer
service.
"Credit grantors in Turkey and throughout Europe who are seeking
to expand their consumer credit lending business to broader segments
of the population require leading-edge systems that enable them to
safely and efficiently underwrite new accounts and optimize their
customer decisions," said Robert Duque-Ribeiro, vice president of
International Sales at Fair Isaac. "Fair Isaac has been rapidly
expanding its presence in the country, and we look forward to helping
leading financial institutions in the region use our industry-standard
EDM solutions to take control of complex decision processes and
leverage them for a competitive advantage."

About Akbank

Founded in 1948, Akbank ranks as Turkey's largest private sector
bank with regard to profitability and market value as of year-end
2004. In addition to core banking activities, Akbank also offers a
wide range of retail, commercial, corporate, private banking and
international trade finance services. Non-banking financial, capital
market and investment services are provided by the Bank's subsidiaries
including Ak Leasing, Ak Securities, Ak Investment Fund, Ak Asset
Management and Ak Pension Fund.
Akbank carries out its activities through its Head Office in
Istanbul and 13 Regional Directorates in Turkey. With a strong and
extensive distribution network that includes 633 branches, Akbank also
provides services through Retail and Corporate Internet Branches, call
center, 1,440 ATMs, 125 BTMs, 190,000 POS terminals and the latest
technology channels such as kiosks, cell phones and pocket PC
platforms.

About Fair Isaac

Fair Isaac (NYSE:FIC) makes decisions smarter. The company's
solutions and technologies for Enterprise Decision Management give
businesses the power to automate more processes, and apply more
intelligence to every customer interaction. Through increasing the
precision, consistency and agility of their decisions, Fair Isaac
clients worldwide increase sales, build customer value, cut fraud
losses, manage credit risk, reduce operational costs, meet changing
compliance demands and enter new markets more profitably. Founded in
1956, Fair Isaac powers hundreds of billions of decisions per year in
financial services, insurance, telecommunications, retail, consumer
branded goods, healthcare and the public sector. Fair Isaac also helps
millions of individuals manage their credit health through the
www.myfico.com website. Visit Fair Isaac online at www.fairisaac.com.

Statement Concerning Forward-Looking Information

Except for historical information contained herein, the statements
contained in this press release that relate to Fair Isaac, including
statements regarding its decision engine for account origination,
TRIAD and Falcon Fraud Manager product offerings, and the benefits to
be derived from these offerings, are forward-looking statements within
the meaning of the "safe harbor" provisions of the Private Securities
Litigation Reform Act of 1995. These forward-looking statements are
subject to risks and uncertainties that may cause actual results to
differ materially, including any unforeseen technical difficulties
related to the implementation, use and functionality of the offerings,
the risks that customers will not perceive material benefits from the
offerings, failure of the products to deliver the expected results,
the possibility of errors or defects in the offerings, regulatory
changes applicable to the use of consumer credit and other data, and
other risks described from time to time in Fair Isaac's SEC reports,
including its Annual Report on Form 10-K for the year ended September
30, 2005, and its quarterly report on Form 10-Q for the period ended
March 31, 2006. Forward-looking statements should be considered with
caution. If any of these risks or uncertainties materializes or any of
these assumptions proves incorrect, Fair Isaac's results could differ
materially from Fair Isaac's expectations in these statements. Fair
Isaac disclaims any intent or obligation to update these
forward-looking statements.

Fair Isaac, TRIAD and Falcon 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 the
trademarks of their respective owners.