Risk & Decisioning2025-02-13T14:37:53+02:00

Blog – Credit Risk & Decisioning

  • Credit Strategy Reporting – Originations Part 1

Credit Strategy Reporting – Originations, Part 1

Credit Strategy Reporting – Originations, Part 1 Introduction The journey of a consumer credit relationship begins long before the first statement is issued, or payment is made. Originations, which is the process of acquiring, evaluating, and on-boarding new credit customers, sets the foundation for everything that follows. While our previous articles explored account management and [...]

  • redit-Strategy-Reporting-for-Collections

Credit Strategy Reporting – Collections

Credit Strategy Reporting - Collections Introduction When accounts transition from a normal status to delinquent collections, the reporting focus shifts dramatically. Our last article covered the metrics that matter for healthy revolving credit accounts. This companion piece explores the critical reporting requirements once accounts enter the collections phase. Effective collections reporting doesn't just track recovery [...]

  • sharia banking and credit

Sharia-compliant Credit Risk Management: Challenges and Solutions for Credit Risk Managers

Sharia-compliant Credit Risk Management: Challenges and Solutions for Credit Risk Managers Introduction Credit risk managers are constantly balancing risk and opportunity while adapting to evolving financial products. Sharia-compliant credit granting presents unique challenges that require innovative solutions, particularly as Islamic finance continues its rapid global growth. This article explores these challenges and examines how modern [...]

Understanding Islamic Finance

Understanding Islamic Finance Introduction Have you ever wondered why some banks offer 'Islamic banking’ or ‘Sharia-compliant’ financial products? Or perhaps you've heard the term "usury" but aren't quite sure what it means? Let's dive into the fascinating world of different credit systems and understand how they work in our modern financial landscape. The Differences Between [...]

  • Dual Benefits of Financial Inclusion Credit Risk Management Systems

The Dual Benefits of Financial Inclusion

The Dual Benefits of Financial Inclusion For Consumers and Lenders via Digital Transformation In the previous article, we discussed what financial inclusion is, the barriers preventing financial inclusion, the role of technology as a catalyst for change, and the regulatory landscape governing financial inclusion. In this article, we move onto the benefits of financial inclusion, [...]

  • Implementation of Credit Decision Engine

Best Practice Implementation of a Credit Decision Engine

Best Practice Implementation of a Credit Decision Engine  Introduction Investing in a credit decision engine is an easy decision for the majority of lenders, as the benefits of automated decisioning have been well-proven across multiple industries, worldwide. Implementing a credit decision engine involves a number of tasks across several different disciplines, ranging from planning and [...]

  • decision engine myths

Three Myths Why Not to Invest in a Decision Engine

Three Myths Why Not to Invest in a Decision Engine  Introduction In a two part series of articles last month we examined what is a decision engine and what are the core components and functionality? This article will review the top three myths and excuses that credit grantors make to avoid investing in such an [...]

  • decision engine functionality

What is a Decision Engine? Part 2 – Decision Engine Functionality

What is a Decision Engine? Part 2 – Decision Engine Core Functionality Introduction If you ask three people “what is a Decision Engine?,” you will probably get at least five different answers. For an application that has such a straightforward and descriptive name, there is a lot of confusion and misunderstandings about what a Decision [...]

  • GulfScore

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 [...]

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