TRIAD is the world's leading account and customer management system that combines software, advanced analytics and decision optimization techniques to help businesses around the world more effectively and profitably manage 44 billion customer management decisions each year.

In TRIAD 8.0, businesses gain a powerful and flexible strategy management solution that makes the development and deployment of decision strategies easier and faster than ever before. Businesses of all sizes can configure TRIAD 8.0 to meet their needs for enterprise-wide management of multiple business lines or management of single portfolios. By integrating TRIAD for account management with Customer Management TRIAD, the new software also satisfies the need many businesses have for a single enhanced system.

"Integrating our TRIAD platforms for account and customer management is a big step for our clients, making it easier to use relationship-level data in a single platform," said Andrew Jennings, Fair Isaac vice president of Global Account Management Solutions. "We also have enhanced TRIAD 8.0 to increase its flexibility and power so that businesses can make even smarter, more strategic and more profitable decisions. As a result, we believe our improved TRIAD technology will deliver more bottom-line benefits to our customers."

Enhancements have been made across the full spectrum of the product to increase TRIAD's flexibility for scoring and strategy design. Jennings noted that as Fair Isaac develops solutions, the company's focus is on making it easier to implement increasingly complex analytics. That focus impacts scoring as well as the architecture and design of the software. The company strives to maintain operational efficiency and structure to benefit all its users, regardless of scale or platform preference.

TRIAD 8.0 features four decision areas: Credit Facilities for establishing maximum customer exposure and managing and apportioning credit lines and limits; Collections for more efficient handling of overdue accounts and customers; Communications to enable cross-sell, up-sell and other marketing promotions, such as pricing and re-issue or loan re-extension decisions; and Authorizations to minimize transactions needing manual intervention and to enable real-time line increases. These decision areas are modular and are selected based on client goals and needs. Decision areas can be added in a phased implementation to allow for optimal learning.

TRIAD 8.0 also helps businesses meet regulatory compliance standards including Basel II, which links a lender's capital requirements to its risk appetite and level of sophistication in managing risk. The system provides the risk models and processes required under Basel II for accurately measuring, analyzing and managing data.