ADEPT Decisions was chosen as the replacement decisioning environment for all consumer mobile contract applications for a leading South African mobile operator, replacing legacy systems that had been deemed inflexible and no longer fit for purpose.

As part of the integration project, ADEPT Decisions migrated 20 years of accumulated decisioning from the old code-based system into our no-code configurable environment, adding flexibility and A/B Testing capabilities to each component.

ADEPT Decisions is now governing all decisioning for new customers as well as for upgrades and contract additions for existing customers. Since going live, the client’s credit risk team has been able to implement new scorecards, launch new products, and test and configure new and more profitable strategies within shortened timeframes and with no intervention required from the internal IT team.

This retailer approached us as they were looking for a single decisioning environment that would cover the entire credit life cycle for all their credit products. Growth had been limited in the credit portfolio due to the legacy systems inability to support A/B testing and what-if analysis. Previously, all strategic changes had to be applied across the entire portfolio, making it impossible to quantify their impact.

A further challenge facing this client was that they operated two distinct businesses under one umbrella – a household retail business and a personal finance business. The businesses operated on entirely independent technology stacks and used completely different application channels and decisioning processes.

ADEPT Decisions configured decisioning solutions for both business units, catering to the nuances of each operation. Both were provided with tools to analyse strategy performance and out of the box A/B testing capability. These tools have enabled the business to leap forward in their credit assessment and management capabilities, with multiple strategy revisions being considered and evaluated at a time.

This telco required a robust and cloud-based decision engine for managing mobile wallet credit applications across 16 countries. Each of these countries operate as an independent business, thus independent strategy and scorecard configurations were needed for each operating company.

To provide maximum flexibility, we configured the solution in such a way that the application request is routed into ADEPT Decisions from the customer’s mobile device with minimal information attached. ADEPT Decisions integrates with the customer information repository for that operating company to retrieve decisioning information for the customer.

By creating each company as an independent subscriber to the system, strategies and scorecards are separated, enabling authorised users to log into specific configurations that they control. By keeping the template for each of the subscribers aligned, our client can rapidly roll-out decisioning to new countries. This enables operating companies to be launched rapidly as subscribers in the system with template structures and strategies copied from existing subscribers.

The ADEPT Decisions solution is highly scalable and is currently processing over 20,000 applications a day from one of the first companies, while newer companies gradually ramp up their application volumes.