iDecision enables banks embark on a better customer digital journey
Data Integration & Scheduling
iDecision is a unified platform for decision management that can be applied to end-to-end customer life cycle. It drives consistency, ease of use and efficiency as strategies can be shared across products, portfolios, and life cycle stages.
iDecision offers standardized access to credit bureau and other data sources, integrates the data, and can help to normalize the data so that it is decision ready.
The integrated design studio is where users can define, test, and deploy strategies. Since it is part of the common platform and can be used across different stages of the customer life cycle it means users only have to learn one single tool and process for strategy design.
iDecision also captures the data used in the decision process along with data from other relevant systems and consolidates it, allowing reporting and monitoring tools to turn this information into visualizations. These easy-to-interpret visualisations provide insight into the efficacy of decision strategies and drive action that can create more profit or uncover new revenue opportunities.
A core component in iDecision is the decision engine, and our high performing Decision Engine is available for consistent decision execution. This decision engine has been market tested in multiple of deployments and is tuned specifically for customer decisioning.
The systems is very flexible. With an open, modular framework our clients can start with a single application or life cycle process and expand that over time as their needs grow and change.
iDecision is a modular solution, allowing flexibility and scalability
|Rule & Scoring Engine|
|Commercial Loan Analysis|
|Digital Lending Platform|
|Customer Relationship Management|
|Basel Credit Risk (RWA & Capital)|
Peer-to-peer platform: complete end-to-end p2p platform, from customer onboarding, disbursement, loan management, billing generation, and collection, fully integrated with two-factor authentication (OTP and password), eKYC, bureau score, digital signature and payment gateway.
Rule & Scoring Engine: flexible and adaptive decision engine for all business decision makings, powered by user-defined scoring engine, decision tree, decision table, and rule manager. Provides real-time integration through API with external systems.
Commercial Loan Analysis: basel-compliant loan analysis tool which provides capability for credit analyst to perform credit underwriting analysis based on 5C principle using quantitative and qualitative data, including financial reports (profit-loss, balance sheet, financial ratios), user-defined formula, and credit rating to assess credit worthiness of debtors.
Digital Lending Platform: complete end-to-end digital lending platform, from customer onboarding, disbursement, loan management, and collection, fully integrated with two-factor authentication (OTP and password), eKYC, bureau score, digital signature and payment gateway.
CRM: Complete platform to handle CRM (Know, Differentiate, Communicate, Personalize).
- Know – provide insight on customer behaviour or profile
- Differentiate – create tailored offerings based on different customer profiles
- Communicate – create campaign and target relevant customers (based on flexible and configurable rules)
- Personalize – assign leads to marketing staff for personalized communication to each targeted customer based on tailored offerings, and record each contact activity with individual customer
Collection Management: powerful collection solution which improves efficiency of collection activities through providing better understanding of the risk level of each delinquent account and suggesting the right collection strategy.
Basel Credit Risk (RWA & Capital): powerful RWA and Credit Risk Capital Calculation engine for all loan portfolios, covering both Standardized Approach and Internal Rating-based Approach for optimal credit risk capital management
Liquidity Risk: regulatory reporting engine for liquidity risk which complies to Indonesia regulation. Covers LCR Report, Stress Test Report, Risk Profile Report, and other reports