Credit Decision Platform
Credit risk decisioning solution for banking, financial service providers and FinTechs.
Real-time credit decisioning
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 optimization 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 optimized decision strategies
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
CAPABILITIES
Flexibly implement, deploy and execute credit decision models on a centralized and scalable decisioning platform
Flexible configuration of decision models and strategies
- 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)
Rapid deployment and execution of decision models
- Deploy and operationalize 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
Integrate internal and external data sources
- 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
Simulate and improve risk models and decision strategies
- Simulate and evaluate different decision scenarios against historical credit application data
- Analyze the impact of model changes on a portfolio level
- Run models in parallel (champion-challenger execution)
- Automated testing of models for rapid deployment
Whitepaper
Optimize and accelerate credit decisions by deploying AI/ML models rapidly
Success Stories
With decades of experience in credit decisioning, ACTICO can share lots of customer success stories.
Smarter Lending for SMEs – in just minutes, not days
Discover how Banca AideXa and ACTICO’s Credit Decisioning Platform are revolutionizing SME financing.
Moving Towards 100 Percent Digital Customer Journey
DMI Finance relies on ACTICO Platform to drive decision automation and become a “digital lender”.
Real-time credit decisioning for consumer loans
Teambank leverages ACTICO rules technology for credit decision automation.