Flexible Decision Process
ADEPT Decisions has a flexible strategy process. As part of the solution configuration, the ADEPT Decisions project team works with the client to define the sequence and type of each process step required to fully assess an application.
This enables ADEPT Decisions to deliver a wide variety of decisioning outcomes, including not only the Accept/Decline decision and loan size, but any other decisions that the subscriber may wish to make at the same time. This could include pricing terms, maximum and minimum loan tenure, ancillary products to be offered, etc. By adding these additional levers into the application assessment, organisations can have a far greater control over their own profitability.
Loan Origination System typically do not have this flexibility. The decisioning that they offer is rigid and limited to simple risk assessment and loan/limit assignment.