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Revenue from Contract with Customer (Tables)
 9 Months Ended
Jun. 30, 2022
Revenue from Contract with Customer [Abstract]  
Disaggregation of Revenue
The following tables provide information about disaggregated revenue by primary geographical market:

Quarter Ended June 30, 2022
ScoresSoftwareTotalPercentage
(Dollars in thousands)
Americas$177,892 $115,331 $293,223 84 %
Europe, Middle East and Africa1,051 36,324 37,375 11 %
Asia Pacific412 17,956 18,368 5 %
      Total$179,355 $169,611 $348,966 100 %

Quarter Ended June 30, 2021
ScoresSoftwareTotalPercentage
(Dollars in thousands)
Americas$165,539 $103,627 $269,166 80 %
Europe, Middle East and Africa2,988 44,881 47,869 14 %
Asia Pacific3,675 17,474 21,149 6 %
      Total$172,202 $165,982 $338,184 100 %
Nine Months Ended June 30, 2022
ScoresSoftwareTotalPercentage
(Dollars in thousands)
Americas$518,695 $319,180 $837,875 81 %
Europe, Middle East and Africa3,796 107,850 111,646 11 %
Asia Pacific10,093 68,908 79,001 8 %
      Total$532,584 $495,938 $1,028,522 100 %
Nine Months Ended June 30, 2021
ScoresSoftwareTotalPercentage
(Dollars in thousands)
Americas$468,039 $311,323 $779,362 79 %
Europe, Middle East and Africa10,343 132,749 143,092 15 %
Asia Pacific7,190 52,315 59,505 6 %
Total$485,572 $496,387 $981,959 100 %
The following table provides information about disaggregated revenue for our Software segment by deployment method:
Quarter Ended June 30,Percentage of revenuesNine Months Ended June 30,Percentage of revenues
20222021202220212022202120222021
(Dollars in thousands)
On-premises software$70,689 $63,536 50 %49 %$205,943 $193,449 49 %51 %
SaaS software71,848 66,694 50 %51 %212,020 188,787 51 %49 %
Total on-premises and SaaS software$142,537 $130,230 100 %100 %$417,963 $382,236 100 %100 %
The following table provides information about disaggregated revenue for our Software segment by product features:
Quarter Ended June 30,Percentage of revenuesNine Months Ended June 30,Percentage of revenues
20222021202220212022202120222021
(Dollars in thousands)
Platform software (*)$27,806 $14,178 20 %11 %$89,680 $43,615 21 %11 %
Non-platform software114,731 116,052 80 %89 %328,283 338,621 79 %89 %
Total on-premises and SaaS software$142,537 $130,230 100 %100 %$417,963 $382,236 100 %100 %
(*) The FICO platform software is a set of interoperable capabilities which use software assets owned and/or governed by FICO for building solutions and services which conform to FICO architectural standards based on key elements of Cloud Native Computing design principles. These standards encompass shared security context and access using FICO standard application programming interfaces.
The following table provides information about disaggregated revenue for our Software segment by timing of revenue recognition:

Quarter Ended June 30,Percentage of revenuesNine Months Ended June 30,Percentage of revenues
20222021202220212022202120222021
(Dollars in thousands)
Software recognized at a point in time (1)
$19,869 $12,566 14 %10 %$53,568 $37,304 13 %10 %
Software recognized over contract term (2)
122,668 117,664 86 %90 %364,395 344,932 87 %90 %
Total on-premises and SaaS software$142,537 $130,230 100 %100 %$417,963 $382,236 100 %100 %
(1)Includes license portion of our on-premises subscription software and perpetual license, both of which are recognized when the software is made available to the customer, or at the start of the subscription.
(2)Includes maintenance portion and usage-based fees of our on-premises subscription software, maintenance revenue on perpetual licenses, as well as SaaS revenue.
The following table provides information about disaggregated revenue for our Scores segment by distribution method:

Quarter Ended June 30,Percentage of revenuesNine Months Ended June 30,Percentage of revenues
20222021202220212022202120222021
(Dollars in thousands)
Business-to-business Scores$119,010 $115,862 66 %67 %$357,221 $335,325 67 %69 %
Business-to-consumer Scores60,345 56,340 34 %33 %175,363 150,247 33 %31 %
     Total$179,355 $172,202 100 %100 %$532,584 $485,572 100 %100 %
We derive a substantial portion of revenues from our contracts with the three major consumer reporting agencies, TransUnion, Equifax and Experian. Revenues collectively generated by agreements with these customers accounted for 41% and 38% of our total revenues in the quarters ended June 30, 2022 and 2021, respectively, with all three consumer reporting agencies each contributing more than 10% of our total revenues in each of the quarters ended June 30, 2022 and 2021. Revenues collectively generated by agreements with these customers accounted for 39% and 37% of our total revenues in the nine months ended June 30, 2022 and 2021, respectively, with two and three consumer reporting agencies each contributing more than 10% of our total revenues in the nine months ended June 30, 2022 and 2021, respectively.
Schedule of Accounts, Notes, Loans and Financing Receivable
Receivables at June 30, 2022 and September 30, 2021 consisted of the following: 
 June 30, 2022September 30, 2021
 (In thousands)
Billed$162,007 $198,305 
Unbilled171,954 155,408 
333,961 353,713 
Less: allowance for doubtful accounts(4,012)(4,154)
Net receivables329,949 349,559 
    Less: long-term receivables (*)(43,608)(37,452)
    Short-term receivables (*)$286,341 $312,107 
(*) Short-term receivables and long-term receivables were recorded in accounts receivable, net and other assets, respectively, within the accompanying condensed consolidated balance sheets.
Deferred Revenue, by Arrangement, Disclosure
Deferred revenue primarily relates to our maintenance and SaaS contracts billed annually in advance and generally recognized ratably over the term of the service period. Significant changes in the deferred revenues balances are as follows:
Nine Months Ended June 30,
20222021
Deferred revenues, beginning balance (*)$110,763 $122,141 
Revenue recognized that was included in the deferred revenues balance at the beginning of the period(85,377)(78,551)
Increases due to billings, excluding amounts recognized as revenue during the period79,516 78,658 
Reclassified as liabilities related to assets held for sale— (16,671)
Deferred revenues, ending balance (*)$104,902 $105,577 
(*) Deferred revenues at June 30, 2022 included current portion of $98.5 million and long-term portion of $6.4 million that were recorded in deferred revenue and other liabilities, respectively, within the condensed consolidated balance sheets. Deferred revenues at September 30, 2021 included current portion of $105.4 million and long-term portion of $5.4 million that were recorded in deferred revenue and other liabilities, respectively, within the condensed consolidated balance sheets.