Blog
Blog2022-06-22T12:33:53+02:00

What are the key components of a FinTech lending toolkit?

In last month’s blog, I discussed the importance of using a dedicated full-featured decision engine (DE) for all of your credit assessment requirements. I also described why a decision engine adds significant value to a lender, beyond just using the tools that are built into a typical loan origination system (LOS). This month, I want [...]

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

Why do lenders require a Decision Engine AND a Loan Origination System? One of the most frequent questions that I get asked when talking about the ADEPT Decisions Platform, is “Why do I need a decision engine?” It’s a good question and the purpose of this blog is to answer this question. Many modern Loan [...]

Rapid Decisions – Automating Decision Processes

Businesses make a myriad of decisions every day. Put these decisions into effect as quickly as possible. A fast response with a good decision is usually better than a slow response with an ideal decision. When time to respond is critical or expected frequency of change is high, operational decisions should be automated. Business [...]

Driving Continuous Portfolio Improvements Using ADEPT Decisions

Bringing your portfolios strategy design, implementation, execution and monitoring to your fingertips. Introduction We previously touched on Why is end-to-end decisioning so important?  To build on that thread, we pickup on portfolio improvements. In today’s world, it is critical for lenders to design the right customer journeys. Profitable growth relies on an organisation’s ability to repeatedly [...]

The Rise of A/B Testing – Building effective A/B tests

A/B Testing on the rise? Surely not, only last month I was bemoaning the fact that organisations we’re doing rigorous A/B testing any longer. Was I lying? Misinformed? Or did I simply like the symmetry of the words “demise” and “rise” in my blog titles ;-)? The truth leans more toward the latter (I do [...]

How to Maximise the Benefits of a Decision Engine for Marketing Activities

Marketing and POPIA With the introduction of POPIA (Protection of Personal Information Act) in July 2021 in South Africa and the prevalence of similar legislation globally it has become crucial for any business to target customers in the most effective and efficient way in order to optimise marketing activities and marketing budgets. A very effective [...]

The Demise of A/B Testing

In this post, Jarrod McElhinney journeys through his experience of A/B testing. A/B (or Champion/Challenger) testing When I started in the credit industry as a programmer working on FICO’s TRIAD product back in the late 1990s, I was introduced to a number of concepts that were firmly entrenched in the credit vetting and account management lexicon. My [...]

How to deploy your Machine and Deep Learning Models

The importance of ModelOps (Model Operationalisation) cannot be stressed enough. This typically includes a number of the less sexy, but incredibly important, aspects of productionising models. These include ensuring that models are moved rapidly and robustly from the development or ‘lab’ environment, through the validation, testing and deployment phases, ensuring a quality result. ModelOps also [...]

Using Alternative Data to Increase Contact Centre Answer Success Rates

As somebody who has worked with all aspects of outbound call centres for many years, I realised early on that one of the biggest challenges facing these businesses is the ability to reach and connect with prospects and customers. In the current times, customers are bombarded with calls, some are fraudulent, some are robocalls and [...]

Mobile Lending in Africa – Part 2

What does the growth in mobile lending mean for banks In the previous article, ‘The Rise of Mobile Lending in Africa – Part 1’,  I described the rapid growth of mobile lending, specifically amongst the unbanked populations in Africa. I discussed how the mobile operators were able to grant credit in an environment in which [...]

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We provide a FinTech toolkit which includes software and analytical solutions to automate and simplify your lending process.

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

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