For a modern fintech – it’s time to say goodbye to entry-level, inadequate origination capabilities and move to the ADEPT Decisions Platform. Our fintech lending toolkit will maximise your portfolios results by optimising all performance metrics.

Why do lenders require a Decision Engine and a Loan Origination System?

What is a Loan Origination System?

Loan Origination Systems (LOS), also known as Application Processing Systems (APS), are complex tools that do a lot of heavy lifting. They have to manage the credit application from inception to completion, including all of the following tasks:

Control the process of each application

Gather data through application screens, internal files and third-party sources

Queue applications for manual review if required

Feed the final decision back to the applicant

Set up approved accounts in the Loan Management System

In addition to all of these tasks, most Loan Origination Systems include rudimentary structures for the assessment of the credit application. Simple policy rules, scorecard implementation and cut-offs enable the Loan Origination System to be a basic end-to-end solution for account origination.

Understandably, the decisioning capability housed within a Loan Origination System is entry level, and inadequate for the needs of a modern fintech.

ADEPT Decisions Platform

  • Implement multiple score types for each application.
  • Input traditional, regression, tree and Machine Learning models directly into the system.
  • Call external scoring services for frequently redeveloped models.

  • Interface directly to a local credit bureau to retrieve data.
  • Conduct A/B testing of multiple credit bureaux to find the best data for your decisions.
  • Save bureau costs by only calling when necessary.

  • Apply policy rules for instant application knock-outs.
  • Chain decisioning together to complete full assessment of all application criteria – accept/decline, exposure, affordability, pricing etc.
  • Implement A/B testing to improve results.

  • Bring activity and velocity data into the decisioning to identify suspicious activity.
  • Calculate fraud prevention scores to quantity risk.
  • Apply weighted fraud rules to maximise identification and minimise false positives.

Benefits of the ADEPT Decisions over a Loan Origination System

The ADEPT Decision Engine will typically deliver these benefits which are beyond what a standard Loan Origination System can provide.

The ADEPT Decision Engine will typically deliver these benefits which are beyond what a standard Loan Origination System can provide.

A Loan Origination System will be able to perform some basic scoring and policy rules setting, but only a decision engine has the true flexibility and functionality to perform complex calculations and make granular assessments which maximise the results of a portfolio by optimising all performance metrics.

ADEPT Decision Engine Benefits

Originations Metrics Improvements
Increase Acceptance Rate + 10-15%
Decrease Bad Debt – 20-25%
Increase Profit + 15-20%
Decrease IT Costs – 35-40%
Decrease Turnaround Time – 15-25%
Increase Take-up Rate + 5-8%

What clients are saying

“The ADEPT Decisions Platform ODM solution has proven exceptionally stable and effective – in addition to being well supported by the ADEPT Decision Engine team, with real-time response times being well within SLA/expectations.”
Andrew Goodrich

General Manager, MTN Group BankTech


Book a Consultation

Our fintech toolkit includes a decision engine, credit risk consulting and advanced analytics to automate and simplify your lending decisions.

Contact us to learn more about how our credit decisioning solutions can benefit your business.

Find Us

Elm House, St Julian’s Avenue,
St Peter Port, Guernsey GY1 1GZ,
Channel Islands

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