APS to:
Application used for the processing of the credit data.

Advantages:

• Credit process automation
• Acceleration of the decision-making process
• Uniform credit decision making rules
• Bank and BIK credit data integration
• Low costs of the system use for the Bank

The System can be used in:

• credit application assessment – enables to set up different configuration of the decision-making rules applicable to various credit products (taking into account various types of promotion and special offers for the selected groups of Clients). To evaluate the application, the system is available in the on-line system enabling an immediate receipt of the result of processing (credit recommendation).
• management of the limits of the revolving products – enables to cyclically process the data of the clients using the revolving products. The system automates the determination of the optimum credit limit and/or individual product assessment for each Client. To manage the limits, the system works in the off-line mode processing large data packages.
• Client segmentation – using the bank data, this function enables to categorize the client population according to the criteria determined by the bank. Therefore, it is possible to automatically and repeatedly segment the Clients in order to offer them new products or send special offers to the selected groups.