Application and behavioural scorecards

DecTech's customised scoring models are specific to your products and customer base. Customised scoring models are built on your data which is specific to an intended population. Customised scoring models thus offer the best possible solution in terms of its predictive strength.

Application scorecards are intended to be used to automate the decision on which potential customers should be accepted for credit. They are therefore developed using a combination of application form information, third party data (i.e. credit bureau information - if available) and internal customer specific data (for existing customers).

Behavioural scorecards are models that predict customer behaviour and outcomes. Therefore behavioural scoring can be used to make ongoing customer management decisions based on the business objectives of your organisation. Behavioural scoring can be used in the areas of authorisations, credit line management, collections and recoveries, card renewal, plus many others.

No matter what your current and future scoring requirements, DecTech Solutions can offer your organisation a unique approach that will ensure your scorecards perform optimally. This approach will also ensure model development meets the exact requirements of your organisation and allows you to consider from traditional model development, rapid redevelopment or a multi-scorecard solution (using unique approaches to segmentation). All of this is intended to ensure that your organisation implements the best possible solution whilst ensuring costs are kept to a minimum.