Credit Decisioning - Actico

CREDIT DECISION PLATFORM

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

CAPABILITIES

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

Credit Decision Modeling

Use a fully graphical drag-and-drop business rules editor to design, create, and test business rules, scorecards and decision strategies
Integrate any existing models (e.g. 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

Whitepaper

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

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

Learn more about Credit Bureau Gateway

Simulate and improve your 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

Success Stories

With decades of experience in credit decisioning, ACTICO can share lots of customer success stories.

Efficiency gains through intelligent automation

VW FS benefits from digital processes, Advanced Analytics (AA) and Machine Learning.

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Moving Towards 100 Percent Digital Customer Journey

DMI Finance relies on ACTICO Platform to drive decision automation and become a “digital lender”.

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Real-time credit decisioning for consumer loans

Teambank leverages ACTICO rules technology for credit decision automation.

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"The graphical rule modeling is intuitive and allows us to instantly deploy new decision strategies without interruptions."

Christoph Holtschmit, Head of Risk Management

"ACTICO Platform has enabled credit decisioning in seconds. This is critical for the growth of a 100% digital lender like DMI Finance."

Saurabh Nigam, Chief Technology Officer

CONTACT

Talk to our experts about Credit Decisioning

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