Our Credit Scoring Service evolves to match your changing business requirements.

The Legacy Challenge

The historical approach to scorecard implementation was to hard code the scorecards within a Loan Origination System (LOS). This approach has many drawbacks:

Implementing scorecards is time consuming and reliant upon IT developers.

Changes cannot be made easily to the scorecards as they reside directly in operational code.

Translation of the scorecards from the development platform to integration must be thoroughly validated, to ensure that the implementation is accurate. This process can be very complicated when working with a code-based implementation, which will lengthen the testing cycle.

The scorecard on its own is of limited value without the automation of policy rules and decisioning logic to maximise the benefits of the score.

The CSS Solution

The Credit Scoring Service (CSS) is a managed service, where all APIs, scorecards, policy rules and strategy definitions are maintained within the system on behalf of clients.

This minimises the effort required by clients to implement scorecards, policy rules and scorecard cut-offs.

We create a standard API layout which clients are able to call in order to enact scoring and decisioning. This data layout contains all of the variables that CSS requires in order to apply policy rules, calculate the application score, and to make an Accept/Decline/Refer risk decision.

CSS manages the disposition of applications and generates reports to provide insights and analytics for clients’ portfolios. Lenders benefit from the multiple features of CSS, as the system enables a rapid integration to grow over time with more sophisticated configurations.

CSS is designed to assist you in achieving your short and long term goals across all of your consumer and SME loans portfolios. With our solution, lenders are well positioned to offer an unparalleled customer experience at a lower processing cost. CSS provides clients with superior functionality and a rapid go-to-market for any new products.

Our solution has a roadmap for product evolution as your business needs evolve and your application volumes increase.

What does CSS give me?

Credit Scoring Service – Scorecards

Example CSS Scorecard


Apply Policy Rules

  • Rules can reference any data that is input into CSS
  • Rules are implemented and maintained in the cloud
  • Knock out applications that do not require scoring (e.g. underage)

Calculate application score

  • Supports multiple scorecards, segmented by product/other
  • Scorecards are implemented and maintained in the cloud

Apply score cut-off

  • Create Risk Grades
  • Make Accept/Decline/Refer decisions
  • Utilise the application score and any other external score (e.g. credit bureau score)

Credit Scoring Service – Reporting Services

Benefits of our SaaS Solution

What clients are saying

“AVBOB ran a Credit Scoring Service pilot with ADEPT Decisions and the team was very helpful and aligned to our goals. We recommend ADEPT Decisions to any provider that needs to improve their targets.”
Yolanda van den Heever

Manager Alternative Channels, AVBOB Mutual Assurance Society


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

How can we help?