Solid Credit Bureau Platform
Credit bureau core system designed as a portable system with ultimate emphasis on security and reliability.
- The most sensible Reciprocity Engine on the market with configurable rules for different groups of bureau clients, different data contribution levels and different credit products.
- Your Data Engine is ready to capture negative and positive information about a vast array of credit products, including cash loans, Shariah-compliant products and micro-credits;
- Top-level Security Subsystems infused in all modules; including state-of-the-art authentication processes, rules-based access rights controls, and automated digital signatures on all user actions.
- The Credit Report Generator uses separate templates for summary and detailed reports with strict compliance to reciprocity rules.
- A Data Collector for initial credit history entry, collection, validation, cleansing and rules-based transformation from the very initial stages of a credit bureau launch.
- Multi-language designs for both the interface and the database contents; Scorto’s team of developers and engineers has experience with 7 languages, including right-to-left languages and different alphabets, so the solution can be localized in any local language within a very short time.
Superior connectivity:
- Bear no limitations to types of data sources that are required to be integrated within the credit reporting process, including real-time access to any type of external databases
- Access credit bureau using your preferable method:
- For manual solo enquiries - use intuitive web-interface;
- For automated real-time exchange between your in-house system and credit bureau – use secure direct connection with credit bureau server;
- For portfolio processing in a bulk format – use batch enquiries;
- For special integration needs – use access API and/or our customization team.
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The broadest set of add-ons on the market
Add-ons are seamlessly integrated with Scorto’s Core Credit Bureau system and designed specifically for fast and easy customization to fit local requirements.
- Data Quality Guard: automatic data validation and cross-checks during the data load process to ensure consistency across the database;
- Fuzzy Identifier: allows the bureau to correctly indentify customers using the latest technologies such as fuzzy logic (which can be used for fuzzy customer name comparisons), as well as multi-field comparisons to identify customers in countries without standard identification systems.
- Credit Scoring Engine: automated generation of bureau scores with classical scorecards, neural network models, decision tree models, and expert models.
- Visual Business Rules Engine: easy-to-use visual tool to build credit application processing rules; supporting different strategies for different credit institutions and different credit products granting bureau’s attractive financial opportunities through value added services.
- Fraud Barrier: A versatile fraud prevention engine with automatic black list checks, fraud prevention rules, fraud detection scoring, visually customizable validation rules and more.
- Portfolio Supervisor: process your sub-portfolios with credit risk calculations, risk checks, credit account monitoring verifications and generate aggregated portfolio-level reports using OLAP technology.
- Data Refiner: A customer data cleaning and enrichment module used to automatically repair data entry errors, enrich portfolio data using relevant external and internal data sources, identify records for manual review and correction, detect inconsistencies in client information, as well as unify and format customer data.
The easiest system to deploy, operate and maintain
- Audit trails subsystem provided to supervise the bureau activity and investigate operational errors;
- Automatic members/subscribers usage reports for invoicing;
- Integrated roll-back functionality to avoid troubles with erroneous or unwanted uploads.
- Administration module for IT staff to ensure availability and maximum performance.
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