As the region's leading provider of electronic payments and consumer finance outsourcing services, AFS has selected Fair Isaac's Triad system to offer credit card issuers in the Middle East enhanced portfolio management services. Based in Bahrain, AFS will integrate the Triad system with its processing platform to help network issuers more effectively manage risk, and design and execute more profitable account-level strategies in credit line management, authorizations, collections, reissue, marketing, and pricing.

AFS currently provides payment card processing services to more than 50 banks and financial institutions across the Middle East, North Africa, Europe and South Asia. A leading financial institution in Saudi Arabia will become the first card issuer to process its credit card portfolio through the Triad system at AFS in early 2007.

"This new partnership with Fair Isaac will allow AFS to leverage its card outsourcing market leadership in the region with Fair Isaac's industry-proven account management system," said Rasool Hujair, CEO at AFS. "By offering Triad as a value-added service, AFS continues to deliver superior technology and highest quality services that help our clients succeed and grow their business in a cost-efficient manner."

"The agreement with AFS underscores Fair Isaac's continued global leadership in providing world-class account management services," said Doug Clare, vice president for processor partnerships at Fair Isaac. "It also gives us the opportunity to enhance our Triad services and bring the value of advanced decision management to issuers in untapped markets in the Middle East. Customer banks will benefit from the combined strengths and capabilities of Fair Isaac and AFS."