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Credit Decision Platform

Credit risk decisioning solution for banking, financial service providers and FinTechs.

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Make instant credit decisions on a robust and scalable credit decisioning engine

The Credit Decision Platform is a robust and highly scalable platform for automating credit origination and decisioning processes. Based on a powerful graphical decision automation platform, it allows the implementation, testing, simulation and optimisation of any bank-internal decision services, including but not limited to risk scoring, pricing and credit decisioning strategies.

Credit decision modeling

  • Fully graphical drag-and-drop business rules editor to design, create, and test business rules, scorecards and decision strategies
  • Integrate any existing (ML) models implemented in industry-standard languages (e.g. Python, R, SAS) and tools (e.g. H2O)

Model deployment and execution

  • Seamlessly deploy new or updated risk models and decision micro services
  • Integrate into existing origination workflows and execute decision services
  • Execute bank-internal decision strategies in real-time

 

Data integration

  • Enrich data from internal data sources and systems
  • Seamlessly integrate external data providers (e.g. credit bureaus, fraud detection services)

 

Decision simulation

  • Simulate risk models and decision strategies against historical data sets
  • Evaluate different scenarios for optimised decision strategies

 

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Credit Decision Platform

Designed for real-time credit decisioning and full auditability

✓ Move from traditional to digital banking
✓ Drive loan approvals & reduce risk
✓ Enhance compliance and full auditability

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Capabilities

Flexibly implement, deploy and execute credit decision models on a centralised and scalable decisioning platform

ACTICO Advanced Decision Platform - Rating Rules
  • Design, implement and test decision models and strategies using a fully graphical drag-and-drop editor
  • Version management in a centralized GIT-based model repository
  • Put the control over risk models in the hands of the business and risk management teams
  • Seamlessly manage and integrate existing models implemented in Python, Java, R, SAS, H2O (e.g. ML models)

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actico model hub dashboard view
  • Deploy and operationalise decision strategies and machine learning models in real-time
  • Seamlessly integrate decision models into existing workflows and systems using powerful standard APIs
  • Automate credit application and decision workflows
  • Achieve regulatory compliance by making fully documented and traceable decisions

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ACTICO Advanced Decision Platform - Credit Bureau Gateway
  • Make smarter decisions by being fully agnostic to external data providers
  • Enrich data from external data sources such as credit bureaus and fraud identification services
  • Easily integrate external Credit Bureaus without coding
  • Monitor performance and uptime of external data services
  • Cache data for improved performance and cost efficiency

Learn more about Credit Bureau Gateway

ACTICO Advanced Decision Platform - Simualation Cockpit - Credit Decisoining
  • Simulate and evaluate different decision scenarios against historical credit application data
  • Analyse the impact of model changes on a portfolio level
  • Run models in parallel (champion-challenger execution)
  • Automated testing of models for rapid deployment
Whitepaper

Optimise and accelerate credit decisions by deploying AI/ML models rapidly

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Recognised throughout the industry.

For many years, ACTICO has been recognised by customers and analysts as a leading provider of Advanced Decision Automation Technology and solutions for Compliance and Credit Risk Management.

ACTICO Award logo Forrester
ACTICO Award logo Gartner
ACTICO Award RegTech100
ACTICO Award FinCrime50

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