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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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Managing Originations Strategies in Turbulent Times, Part 1

Managing Originations in Turbulent Times, Part 1 Calling all originations and credit risk managers. Is this the right time to focus on originations management? Have you ever felt truly cursed? I don’t mean the ‘having a bad day’ type of cursed, but rather the ‘how can things get any worse’ type of cursed. Until the [...]

Diallers & Decision Engines Overview & Parallels

Diallers & Decision Engines Overview & Parallels Background Over the past 40 years, diallers have become so prevalent in the consumer credit industry, that many of us rarely ever bear them a second thought. This led me to think about the parallels and similarities between diallers and decision engines: Both products have been around for [...]

What are the key components of a Fintech lending toolkit?

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 [...]

Decision Engine vs 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

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 [...]

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

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 [...]

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

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 [...]

The Demise of A/B Testing

The Demise 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 first introduction to the mathematics [...]

How to deploy your Machine and Deep Learning Models

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 [...]

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