DMS Solution for
BANKING
DMS - Decision Making Software solves the problem of credit scoring calculation for banks and credit organizations.
.1
Integrate DMS to Core banking
Platform
.2
Setup the business logic in DMS
.3
Launch automated credit decisioning
.How It Works
Let’s say, Tom, Lisa, and Jack applied for a credit line.
Tom
22 years old
Software Developer
high revenue
good credit record
Lisa
40 years old
Art teacher
high revenue
bad credit report
Jack
60 years old
Retired
low revenue
good credit report
1. API call with Applications
core Banking platform sends 3 applications via API requests with customer data to DMS
2. Decision Tree
All the applications enter the decision tree for the credit limit calculation
3. Segmentation
Client segamentation by multiple factors
4. Analysis
Application analysis specific for each segment to identify the risk level
5. Calculation
mathematical calculations based on the segmentation and analysis results
6. Decision
DMS reponds to core Banking platform with 3 decisions and credit limit for each
