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How Scorto is Different
With Scorto you get the luxury of a custom solution with the price of standardized commodity
Scorto serves Customers what need:
- Sensible solutions designed to suit any environment and full cycle credit management needs.
- Tools tailored to fit your business and your organization.
- Vigorous applications and approaches which provide the best decision making analytics and support in the industry.
What this means for you, our Customer:
- Instead of endlessly trying to integrate and put canned products into operation, you will get tools optimized for fast integration and maximum results.
- Sensible means perfectly suited for your business needs!
Our sensible approach to decision management systems means you get a tool which fits your operation perfectly from the start. No more altering organizations or processes to fit the software! With Scorto, you get a platform which will be adjusted to fit your processes. In addition, we provide tools that provide all environments and budgets do to the flexibility of our platforms. With Scorto, the design is the difference. This difference is what will prevent operational drags in performance and save you money!
There are 2 approaches on the market today
Take our big brand word for it - paying more and getting less simply based on brand identity
Solution based on best practices with certain configuration abilities.
Having to live with (and adjust to) what someone else tells you is best for your business. At Scorto, we adjust our application to suit your business, because we believe you know what is best for your business. We believe in collaboration and tools that support processes.
Old scoring (decision mgmt) vendors use it since they have big experience and tried to encode these experiences into software without ever truly listening to their clients.
Why it’s not practical
- Times are changing too fast now. Solutions you need now, as a result of the economic downturn and credit crisis, are different from solutions that were required before. And this will only become more apparent in the future. Constant adjustments to constantly changing market conditions will be more important than ever.
- Big banks were first and the most important customers for old scoring vendors and solutions were created for them. As a result, you will be told to you need to adjust your business processes and IT infrastructure to fit their solutions and preconceptions. Solutions should fit your current proven business processes while at the same time be flexible enough to allow you to incorporate best practices on the top of existing successful business process.
- Several years ago in-house scoring itself was a competitive advantage, now scoring is a wide-known technology, and the competitive advantage is - how scoring applied in your organization, exactly for your needs and for your situation.
- The lead times for customization creates an unnecessary and harmful drag on your business, because even if your project price is 2M, it’s so tiny in the whole revenue of a big vendor and the main thing: their business model is conveyor and does not encourage changes, the company is not built on custom solutions for every client, but rather tells every new client to comply with solution. So, big vendor never change his usual course of business to fit one project needs.
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We will do whatever you want or whatever can be done within budget (or whatever the easiest)
In house solutions – solutions based on your requirements.
All sorts of vendors of Data Mining, CRM, ERP, Risk management software, Consulting companies and system integrators do this.
They are good in explaining things, but creating a solution that perfectly combines decision management, process automation and scoring technologies never was their core business, and thus is not part of their expertise.
Why it’s not practical
- Big lead time to market or weak software comparing to specialized solutions like ours.
- Support and constant upgrades are both a big issue, but you need to be on the track and you need to solve your needs strategically and to have a solid back-up with a vendor focused on particular area - thus to save costs on commoditized products and to have access to vendor experience instead of paying constantly for new consulting projects.
- Both the capital and operational costs are generally very prohibitive. This is due to factors including misunderstandings of needs, lack of collaboration, and under-estimates of features and functionalities which will be required for real world use.
- On-going support and maintenance almost always becomes an issue.
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Scorto combines the best of both approaches offering you tailored solutions in a sensible and easy to use.
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