ACTICO Credit Decision Platform

ACTICO Credit Decision Platform is a robust and highly scalable platform for automating credit origination and decisioning processes. Based on a powerful graphical decision management suite (no code/low code approach), the system allows the implementation, testing, simulation and optimization of any bank-internal decision services of any complexity, including but not limited to risk scoring, pricing, fraud prevention and credit decisioning strategies. The platform supports the integration of any number of internal or external data sources. It offers the following, main benefits: - One centralized platform for all risk strategies across different tenants, countries, products or channels to reduce complexity of the IT landscape - Low code / no code approach enables risk management departments to manage rule models independently and therefore free IT ressources. - Low code / no code apporach improvides time-2-market with integrated testing and deployment mechanisms (integrated test suite, hot deployments) - Modern API technology, machine learning capabilities and SaaS offering ensure up-to-dateness of the platform - Strong suppport with consultancy services to support customers in platform set-up - Pre-built connectors to credit agencies replace internal interfaces and therefore reduce complexity on customers side The platform is aimed on risk departments to independently managed rule models. ACTICO is a full-service provider and offers extensive support for the successful implementation, configuration and integration of our solutions. For implementation of the Credit Decision Platform, we typically propose a joint implementation approach that consists of a joint team of the customer and ACTICO resources working collaboratively side-by-side. Under an agile project methodology (e.g. Scrum), resources of both organizations would be part of the agile delivery team. This implementation approach sets the perfect basis for enabling the customer to independently maintain and manage the Credit Engine and the underlying rule models. ACTICO services can be delivered remotely and on-site at the bank’s premises. The ACTICO service portfolio typically includes the following: - Training services - Architecture and solution design workshops - Support for model implementation and configuration - Quality assurance and review of implemented models - General support questions