Suomen Asiakastieto selects ACTICO´s Credit Decision Platform

Share article:

Reading time:

Immenstaad, January 18, 2022 – Suomen Asiakastieto Oy, part of Enento Group, selects the Credit Decision Platform to develop further its Decision-as-a-Service (DaaS) offering. With the robust, scalable, and cloud-based platform Asiakastieto is equipped for future requirements.


Suomen Asiakastieto is one of the leading providers of digital business and consumer information services in Finland. In addition to data, Asiakastieto offers a wide range of analytical products and services as well as decision services. The customer requirements for decision services are twofold. Part of the customers require streamlined templates with rapid client onboarding and part of the customers require customized decision logic. The ACTICO software provides a comprehensive set of functionalities to support the implementation of rule models (data integration, policy rules, scorecards, rating models) to enable Asiakastieto to offer flexible decision services in Finland for a wide variety of customer use cases.

The Credit Decision Platform allows the Asiakastieto Decision Services team to implement customer-, country-, and product-specific rule sets using a graphical drag-and-drop editor. The team can flexibly create, implement, test, and deploy rule models without coding skills required. Rule parameters (e.g., thresholds, score values) can be adjusted using a web-based user interface. Models coded in Python can be easily integrated and combined with the rules-based approach. On the operational side, the software supports both, the fully automated decisioning process and manual underwriting use cases.


The platform enables the flexible expansion of the rule models, regardless of whether new data types (e.g. PSDII), new markets or new products are involved. The segmentation of these rule sets can be nested to every extend whereby existing rules can flexibly be re-used to save time and effort. Machine Learning Models can be integrated and executed in process and in memory – everything available in a SaaS operating model.

About Suomen Asiakastieto

Suomen Asiakastieto is one of Finland’s leading providers of digital business and consumer information services. We collect and transform data and information into analyzed data models and insights that are used in interactions between people, companies, and society. Our services help businesses and consumers in their daily decision-making processes, such as financial processes and sales and marketing processes. We help many different industries, the largest are banking and finance, small businesses, the retail trade, and the service industry. Asiakastieto is part of the Nordic knowledge company Enento Group, which has a turnover of 163,5 MEUR and has 432 employees in eight locations in Finland, Sweden, Norway, and Denmark.

Read more at https://enento.com/.


ACTICO is a leading international provider of software for intelligent automation and digital decision-making. Its scalable software combines rule-based technology and machine learning in a unique way and is fully audit-proof. It enables companies of all sizes to process large amounts of data and make and automate AI-powered and rule-based decisions in real time. Through intelligent automation, ACTICO increases the business value of its customers by improving their operational decisions.

Read more about ACTICO at https://www.actico.com/.