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Our frequent blog posts cover all things decisioning: credit risk management systems, credit risk consulting and training, advanced analytics and predictive modelling.

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ADEPT Decisions Launches GulfScore

ADEPT Decisions Launches GulfScore The First Decision Engine Customised for the Middle East Introduction ADEPT Decisions launched GulfScore, the bespoke Middle East North Africa (MENA) version of our award-winning decisioning software. Stephen John Leonard, Founder of ADEPT Decisions noted “We are very proud to unveil GulfScore. This custom release of the ADEPT Decisions Platform is [...]

Introduction to Decision Engines: What They Are NOT – Part 1

What is a Decision Engine? Part 1 – What a Decision Engine is NOT! Introduction I always thought that the definition of a Decision Engine was very straightforward. It is software that makes a decision. A British advertising industry created a memorable catch phrase describing this kind of product: "It does exactly what it says [...]

Diners Club, Debt and The Downfall of Society

Diners Club, Debt and The Downfall of Society An opinion piece by Dominique Olivier The story of how one forgotten wallet in 1949 led to the invention of the credit card – and the global debt crisis that followed. When’s the last time you carried cash anywhere? Unless you’re regularly using public transport, it’s [...]

A New Era in Account Management Decisioning

A New Era in Account Management Decisioning Defining the Status Quo In the late 80’s and 90’s, automated credit risk management expanded its focus from credit acquisitions to incorporate full credit life cycle management. In addition to application scores that assessed a potential customer’s likelihood of repayment, behaviour scorecards were developed, enabling lenders to use [...]

Digital Lending Solution Components

Digital Lending Solution Components Introduction We often get asked by lenders embarking on the digital lending journey what is involved in the process and what components do they need to consider? We thought it would be useful to put together a check list of both the major and supporting components that need to be addressed [...]

Separating Predictions from Decisions

Separating Predictions from Decisions: Model Execution and Decision Engine Introduction Before the 1960s, Predictions and Decisions were mixed together in the area of credit granting to varying degrees. “Should an enterprise decide to accept your application for credit?” is a question that requires assessing your creditworthiness which ultimately entails predicting whether you will repay. Originally, [...]

Stories & Learnings from a Career in Credit Risk, Part 5

Stories & Learnings from a Career in Credit Risk Part 5 Introduction Last month we published a couple of light-hearted pieces about some of the funny or strange things I have encountered in my many years in the credit risk industry. I also provided some of the learnings gained from these experiences. The two articles [...]

Stories & Learnings from a Career in Credit Risk Part 4

Stories & Learnings from a Career in Credit Risk Part 4 Introduction Last month we published a couple of light-hearted pieces about some of the funny or strange things I have encountered in my many years in the credit risk industry. I also provided some of the learnings gained from these experiences. The two articles [...]

Stories & Learnings from a Career in Credit Risk Part 3

Stories & Learnings from a Career in Credit Risk Part 3 Introduction Last December I wrote a light-hearted piece about some of the funny or strange things I have encountered in my many years in the credit risk industry. I also provided some of the learnings gained from these experiences. The article proved to be [...]

Stories & Learnings from a Career in Credit Risk Part 2

Stories & Learnings from a Career in Credit Risk, Part 2 Introduction Last December I wrote a light-hearted piece about some of the funny or strange things I have encountered in my many years in the credit risk industry. I also provided some of the learnings gained from these experiences. The article proved to be [...]

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