The Intelligent Decision Automation solution supports all risk-oriented decisions along the business relationship with customers, partners, suppliers and other stakeholders.
Binding financing commitments can be made on the basis of individual credit guidelines through external checks (credit reports), assessments and risk-oriented decisions.
Integration of internal and external data sources
Enrichment of the financing application with internal and external data sources, such as credit agencies; a repository of over 40 standard APIs for national and international providers is available.
Direct connection to property valuations
In addition to the credit agencies, property-specific information such as a collateral valuation via DAT or ETS is also available, the results of which are also seamlessly integrated.
Central data storage and caching
Every information product called up via the gateway is stored centrally in the internal caching database and can be made available company-wide.
Automated report generation
Many providers deliver their credit bureau products as formatted documents. If such a service is not available, the Credit Bureau Hub can also generate PDF documents based on the structural data.
Modeling of decision models
Use a fully graphical configuration environment to implement rule models, scoring procedures and decision rules.
Online administration
Update customer-specific scoring and decision parameters and workflows, such as defining decision lines and chains depending on hierarchy levels or credit volumes.
Orchestration of credit agencies and services
The integrated process engine is used to obtain external and internal data sources. This allows processes or new credit agencies to be adapted via configuration.
Execution
Risk-oriented decisions are made in accordance with the configured policy, taking into account internal and external information on credit history, payment behavior, evaluations and retrievable creditworthiness information.
Deployment
Transfer decision models to runtime environments in real time and benefit from automatic monitoring, logging and historization.
Data integration
The Credit Bureau Hub enables the connection of international credit bureaus and agencies via a standardized interface and the simplified integration of individual data sources.
Simulation of decision models
Simulate and compare different decision strategies against historical credit application data or analyze the effects of model changes at portfolio level.
Integrated retention mechanisms reduce multiple calls to credit agencies and therefore costs. The modular structure of our solution also reduces maintenance costs.
Complex information from credit policy and calculation parameters can be individually taken into account in the sales funnel alongside background information on the business partner and typical user behavior.
Information, assessment and decision-making processes can be designed flexibly on the basis of customer-specific requirements.
The modular structure and the underlying process-controlled architecture facilitate integration into existing systems.