Retail Lending

Automate credit scoring and decisioning strategies in retail lending.

Software for retail lending
Faster and more efficient retail lending
approval process

Tightening regulations and a highly commoditized and competitive market for retail lending and leasing place immense pressure on lenders to secure profit margins. In addition, while origination processes once took weeks or months, today’s lenders must meet the demands of clients that are used to real-time responses. 

ACTICO’s solutions allow to responsibly advance loan origination processes more quickly and efficiently, while factoring in regulatory restrictions and risk. Customers win through timely credit decisions. Lenders benefit from a high level of flexibly by rapidly changing credit scoring models and policy rules whenever required.

approach
Automate retail lending approval processes

The ACTICO Credit Decision Platform supports decisions across the entire retail lending lifecycle by automating origination and decisioning workflows, assesses credit risks, calculating pricings and manages the integration with third party data providers.


Decision Automation

Automate credit decisions by implementing and executing bank internal credit policies. Make intelligent decisions in a compliant and audit-proof way.

Credit Scoring

Implement your own scorecards for application and behavioral scoring without programming. These steps are supported by a graphical rule-authoring environment.

Credit Bureau Integration

Automate integration, data acquisition and processing of credit reporting data. ACTICO offers a pool of standard connectors to credit bureaus and other data providers worldwide.


benefits

Flexibility

Leverage a world-class fully-graphical business rules management system to quickly and easily create, change and business rules.

 

Auditable & Compliant

Ensure full auditability when making credit decisions and fulfill ever changing regulatory requirements. 

Seamless Integration

Seamlessly integrate with internal (e.g. front-ends) and external data source (e.g. credit bureaus). 

features
case study
Leading Retail-Bank automates decisions for loan origination

The financial institution is a leading provider of installment loans in Germany. The bank made the decision in favor of ACTICO Rules in order to implement and fully automate the loan origination process.

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