Software for Consumer Lending

Automate Credit Scoring and Decisioning Strategies

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 flexibility by rapidly changing credit scoring models and policy rules whenever required.

Read Success Story


Faster and More Efficient Consumer Lending Approval Process

The Core – Credit Decision Platform

A robust and highly scalable platform for automating loan origination and decisioning processes in consumer lending. Based on a powerful graphical rules engine, the platform allows the implementation, testing, simulation and optimization of any bank-internal rule services, including but not limited to risk scoring, pricing and credit decisioning strategies.

  • Automation of the entire loan process
  • Complete information and process transparency
  • Compliance despite complex and changing regulations
  • Increased loan processing capability without adding resources

Credit Decision Platform

Decision Automation

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

Learn more

Credit Scoring

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

Learn more

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.

Learn more



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

Contact us