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Establishing if a customer is credit worthy simply and consistently is a continual challenge for many organisations. If you are looking for a faster way to approve commercial credit and you don't want to let low-risk customers slip away, you should consider using an automated decisioning process.

Accurate, objective decisions through informed processes

Our automated decision support solutions range from simple web-enabled services to fully customisable embedded solutions.

We take the lengthy process of manually assessing new credit applications out of the decisioning process.

That way, you're in control of your credit process - it doesn't control you.

Good decisions, better results

Making credit decisions with one of our automated solutions can deliver a range of business benefits, which include:

• Automated credit decisioning
• Objective credit decisions
• Improved productivity by lowering the labour cost per transaction
• Applying client specific lending policies to each credit application
• User control over all lending policies, underwriting standards and product rules
• Integration with scorecards to fine tune approval criteria
• Reduced daily sales outstanding (DSO), bad debt and delinquency
• Ability to increase new business while maintaining credit risk and underwriting standards
• Faster credit assessment turnaround time
• Increased processing volumes in reduced timeframes
• Electronic data storage for enhanced reporting and flexibility
• Support for all our bureau products including our electronic verification and fraud services
• For commercial lending, when using the web screens, entity details are validated against
  • Australian Securities & Investment Commission
  • Australian Business Register
  • Our databases

The automated decisioning services we offer:

DecisionFlow

A web hosted automated decisioning tool available to the Australian market that leverages our data sources in conjunction with your Credit or Risk Manager's evaluation criteria to provide instant decisions

With DecisionFlow you can:

• Easily access the product since it is entirely web-based
• Implement changes to your credit policy
• Immediately implement policy changes by your Credit or Risk Manager
• Free up time following up on debtors, thereby assisting you in increasing cash flow
• Continually review high risk customers using our eAlert service
• Export your credit application data in an XML file format
• Store pending credit applications for up to 30 days
• Process lending applications for commercial credit

DecisionLink

DecisionLink brings to your organisation the power of an automated credit granting and risk management solution in a fully hosted environment. The solution can be accessed through our proprietary web screens or a system-to-system interface.

With DecisionLink you can:

• Gain rapid, low cost entry to a simple or complex decisioning solution
• Utilise web enabled data capture screens for loans origination
• Apply a combination of bureau scores, application scores and your own credit policy rules
• Integrate DecisionLink processes with your own front-end application (SOAP XML)
• Customise the decision rules; including your own scorecards
• Manage your decisioning workflow by using referral queues and decision override
• Reduce the processing time and risk associated with new applications
• Implement a white labelled solution incorporating your own branding, corporate logo and colours
• Process lending applications for consumer and commercial credit

DecisionPoint

DecisionPoint has been designed to be a data driven decision engine that can reduce the cost of customer acquisition by improving efficiency and optimising the credit risk management process.

DecisionPoint offers you unequalled flexibility in parameter management. The power of DecisionPoint Builder allows for on-going user control of lending rules and process, providing a speedy reaction to market changes at a low cost of implementation.

With DecisionPoint, you can:

• Readily integrate inputs and processes to your front and back-end systems (SOAL XML)
• Utilise web enabled data capture screens for loans origination that can be customised
• Reduce the time and cost associated with double-keying data
• Automate the documentation of all system rules, scorecards, cut-offs and calculations at the click of a button
• Apply a combination of bureau scores, application scores and your own credit policy rules
• Implement multiple product portfolios within one decisioning engine
• Monitor applications and send real time email alerts
• Analyse past applications to view decisioning outcomes
• Trial new lending criteria using past application data for review
• Customise decision rules; including your own scorecards
• Manage your decisioning workslow by using referral queues and decision override
• Apply a "champion/challenger" strategy to any component of the lending process
• Implement a white labelled solution incorporating your own branding, corporate logo and colours
• Process lending applications for consumer and commercial credit
• Gain the advantages of SQL Server and Oracle databases support

How much does it cost?

Our pricing system has been designed to include graded benefits linked to annual spend.

For detailed pricing information, please contact our Customer Service Centre on 1300 921 621.

What else should I know?

To subscribe and begin using this product or to discuss how we can tailor a solution to meet your needs, please call 1300 921 621.

For more information on our products and services designed to help you control customer applications and information

Call our Specialists

1300 921 621