Automated Decisioning Software

DecisionSmart is an enterprise wide decisioning and rules application that automates business rules management and decision making.

The application allows business users to capture and apply business rules, matrices, scorecards, decision trees, terms of business tables and decision flows across the entire customer lifecycle.

DecisionSmart offers business rule management capability on an account or customer level across the entire customer lifecycle.

Profitable decisions across the customer lifecycle



Account management: credit limit management

For credit limit management, a batch process is normally set-up feeding existing customer information into DecisionSmart – thereafter through a combination of Scorecards, Matrices, Decision trees, and Outcome Table. A final % limit increase offer is then determined.

The final limit offer amount can be calculated based on limit, balance, percentage increase, maximum limit, minimum incremental increase, etc.

Account management: authorisations

DecisionSmart will use the scoring engine, decision trees, authorisation table and workfield calculations to determine the “fit” and “cushion” percentages.

This will be fed back to the POS to approve or decline the transaction.

Customer engagement

For customer engagement, DecisionSmart is enabled with the following key features: Scoring, Segmenting, Clustering and Action-Table.

If transaction data is used, then more advanced engagements utilising “next-best-product” are also available.


DecisionSmart can calculate, on an ad-hoc basis, fair value of a particular segment of a recovery book. The software utilises: Scoring, Segmentation, Percentage allocation table, Calculation of account valuation based on balance and percentage allocated (using calculated workfields).


DecisionSmart can calculate, on a monthly basis, the expected losses across each book per account by running the following models: Probability of Default (PD), Loss Given Default (LGD), Credit-Conversion Factors (CCF) and Exposure at Default (EAD).

If Markov chains are used, then through decision trees these values can be applied to each account within a specific segment within a book. Furthermore the expected losses (EL) can be calculated incorporating any macro-economic adjustments, if required.


Primarily it can be deployed to daily segment the delinquent population and then prescribe appropriate actions.

It has also been used to deploy right-time-to-call models enabling call-centres to improve their right-person-connect models.

Furthermore it can be used to deploy a external-debt-collector placement strategy.

Further opportunities lie in using DecisionSmart to calculate settlement amounts where an optimised settlement strategy has been built.

DecisionSmart Versatility

Scorecard Management

DecisionSmart manages all types of scorecards, such as application, behavioural, pre-delinquency, collection and balance-build scorecards.

Scoring Engine

The heart of the technology, the scoring engine processes data, calculates the score and returns results. Able to host multiple scorecards for different products or classifications.


Defines and configures all elements required for the scorecard to function. Enables users to set standard and derived characteristics and manage properties and scorecard ranges for each scorecard.

Real-time Decision Making

Application processing systems often require an application score be calculated in real-time. This is typically through a web service that invokes the decision engine for these ad-hoc scoring requests.

Batch Scoring

Scores can be calculated in batch mode by receiving or fetching files received from the host system, typically used for behavior scorecards. Can be scheduled to run automatically during overnight batch processing.

Key Product Features

DecisionSmart Installations

A couple of the many companies using DecisionSmart to manage and calculate their scoring.
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