Decision as a Service

QUICK DESCISIONS
Made Easy

PAY AS
YOU GO

FOR SMEs
& INDIVIDUALS

Ultimate goal is to take a DECISION

  • DaaS gives as an output the recommended decision to take on the application: Accept, Refer, Reject
  • Final decision is based upon an extensive check across a number of product specific policy rules
  • Pre-configured policy rules can be switched on/off by the subscriber, so as numerical threshold to trigger the rule are customizable
  • Cross Data available for selected Market
  • Available though API for full Branded Digital Experiences or via Walk in Customer Journeys

Success Stories

Discover how DaaS was a magic fit for SMEs

European leading p2p lending platform

Implementation of suite of Loan Management Solutions

CRIF operates as a trusted partner for since the first Growth phases, providing credit info and Decision systems for automated and cloud based Risk Assessment. The client is currently scaling up thanks to new investors, including Goldman Sachs, and leading the European Market.

  • Solution for client products: Direct Retail Loans B2B2C Retail Loans as a Service Direct SME’s Loans (to be)
  • Cloud based solution
  • CRIF powered decisioning engine (StrategyOne)
  • Omnichannel UX

+3products

service provisioning

3,000,000volume

of yearly expected transactions to be managed

+25K

direct SME Customers

65%

successfully connect with Open Banking

98%

agree that their score represents their business accurately

Real-time SME creditworthiness evaluation
Evaluation of new-to-credit & new-to-country subjects
Improved customer behavior credit quality
Improved customer knowledge
Additional revenue streams
Incentive for bank connection
Ready to host bespoke scorecards

22 pre-set policy rules for Retail and 23 for Business
Rules cover: customer level, contract level and Credit Bureau
Switch-on/Switch-off of the rule and threshold level
fully configurable by subscribers
4 product specific scorecards for Retail; Personal Loans, Credit Cards, Mortgages, Auto Loans
2 scorecards for Business: Financials and No Financials
Application Score
Crediut Bureau Score
Risk level is provided into 5 classes: Very Low, Low, Medium; Hugh, Very High
Accept
Reject
Refer
THE HEART OF DIGITAL BANKING

Technology is so powerful right now and offers many solutions to support financial systems undergoing radical change.

That’s why we want financial institutions to discover our idea of a future packed with opportunities that we already provide.

The Digital Journey

What do we do?

Solutions

Biometrics & Video Identification

Loan Origination

Decision as a Service

Customer Management (TAG)

Collection

Consulting & Analytics

Credit Process Design & GAP Analysis

Off-the-shelf Application Scorecards

Data Driven Policy Rules Revision

Bespoke Scorecards

Partners

Our partners

Company

About us

Insight & News

Contact Us

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