"With ACTICO Rules, we can optimize our already highly automated decisioning system across the entire credit management process."

Christoph Holtschmit, Head of Risk Management

TeamBank AG uses ACTICO Rules for credit management

Graphical rule modeling optimizes the credit decision-making process.

Decisioning logic can be replaced during operations, without any interruption.

TeamBank AG has opted for ACTICO Rules. This platform automates creditworthiness reviews (scoring) and classifications (rating) for TeamBank’s easyCredit installment lending, thus supporting the entire credit decisioning process. "With ACTICO Rules, we can optimize our already highly automated decisioning system across the entire credit management process. Its graphical rule models are intuitive to use and can be exchanged while operating and without interruptions. Both of these features together convinced us to purchase a corporate license for this platform”, reports Christoph Holtschmit, risk management department head for easyCredit.


Managing the entire credit decisioning process with ACTICO Rules

ACTICO's business rules management system is currently being implemented for the entire easyCredit credit decisioning process. This includes, for instance, scorecards, which are compilations of key data (scores) on risk evaluation, budget accounting, and review of all legal and internal company directives. Connections to external data sources for credit information and external scores are used to refine the design of the review and increase the reliability of risk prognoses. "Rules consolidate reporting agency information and expand the platform’s range of deployment", according to project manager Dr. Michael Friedrich. What is more, ACTICO Rules empowers business experts to maintain their own scoring and rating models. The easyCredit application based on ACTICO's business rules management system is available online to all banks in the FinanzGruppe Volksbanken Raiffeisenbanken cooperative and in branch business.


About easyCredit – An Enterprise of the DZ BANK Group

With more than 600,000 customers, easyCredit is the first and most widely known product brand in the installment loan business. The installment loan experts at Finanzgruppe Volksbanken Raiffeisenbanken have made a name for themselves with fair product features, simple processes, and comprehensive consulting services, which support the banks within their cooperative in gaining market share in the area of installment lending.

easyCredit is an initiative of the DZ BANK Group, together with Bausparkasse Schwäbisch Hall, DG HYP, DZ BANK International, DZ PRIVATBANK Schweiz, R+V Versicherung, Union Investment Group, VR LEASING and a number of other specialized institutions. Through this cooperation among enterprises of the DZ BANK Group, banks within the cooperative can optimize the services they offer their 30 million customers.


„With ACTICO Rules, we can optimize our already highly automated decisioning system across the entire credit management process. Its graphical rule models are intuitive to use and can be exchanged while operating and without interruptions. Both of these features together convinced us to purchase a corporate license for this platform.“

Christoph Holtschmit, Head of Risk Management Department, easyCredit

Success Story easyCredit