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Credit Decisioning Platform

Empowering BFSI Institutions with robust analytics and advanced algorithms to make informed lending decisions swiftly and accurately.

ENHANCE CREDIT DECISIONS

What is Credit Decisioning Platform?

The Credit Decision Platform is a robust and highly scalable platform for automating credit origination and decisioning processes. By assisting businesses worldwide, ACTICO enables them to make more informed daily decisions, leading to increased growth and a stronger competitive edge.

  • Provide real time credit decisioning
  • Drive loan approvals and reduce risk
  • Deploy credit scoring and risk models in real-time
  • Real-time access to data sources, credit bureaus and fraud identification services
WHY CREDIT DECISIONING PLATFORM?

Make Instant Credit Decisions

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.

API Integration

Decision Strategies

Machine Learning Algorithms

Data Enrichment

Compliance Checks

Auditable Data Storage

EXPEDITE THE PROCESS

Leveraging AI & Machine Learning Models

By injecting artificial intelligence and machine learning techniques, credit institutions can optimize workflows and business decisions across the lending life cycle.

The four areas are of main interest when leveraging AI/ML across the credit life cycle:

  • Customer acquisition
  • Credit decisioning
  • Monitoring and collections, and
  • Deepening of customer relationships

Other Core Functions

Credit Decisioning Model

Fully graphical drag-and-drop business rules editor to design, create, and test business rules, scorecards, and decision strategies.

Model Deployment & Execution

Extract, transform, load (ETL) engine to interface multiple sources of data into Central Bank’s latest requirement format.

Data Integration

Enrich your data by seamlessly integrating both internal sources and external data providers (credit bureaus and fraud detection services).

Decision Simulation

Simulate risk models and decision strategies against historical data sets.

Evaluate different scenarios for optimized decision strategies.

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