Solutions

Decision Management

Loan Origination - Scorto™ Loan Decision
Empowering credit institutions to manage loan origination decisions and automate the entire loan origination flow.

Customer Management - Scorto™ Behavia
Empowering banks to build a long-term profitable business with every retail customer through relevant credit account and customer management. Behavia offers flexible decision strategies, precise scoring and advanced analytics.

Debt Collection and Recovery - Scorto™ Ample Collection
Empowering credit institutions and debt collection agencies to raise payment rates and increase the efficiency of organizational performance through transparent automation of the entire process of collection and recovery.

Fraud Detection and Prevention - Scorto™ Fraud Barrier
Empowering lenders to detect fraud at the point of application! Investigate cases and prevent losses without compromises in decision speed and acceptance rates.

SME Loans Management - Scorto™ Loan Manager SME
Empowering SME lenders to employ precise evaluation and risk management while at the same time automating application and re-evaluation processes and decision flows.

Credit Risk Management

Portfolio Analysis and Management (Segmentation, OLAP Reporting, Monitoring, Auto-alerts)
Empowering customers to increasecredit portfolio without increasing risks, and still minimize credit losses without shrinking revenues and opportunities.

Internal Ratings and In-house Scorecards (Development and Monitoring)
Empowering quick and efficient development, validation, and deployment of credit rating models and credit scoring models (scorecards) using the broadest possible range of credit scoring modeling techniques, including expert modeling, logistic regression, decision trees, and neural networks.

Basel II Compliance (Modeling, Reporting, Stress Testing)
Empowering customers to attain compliance with Basel II requirements for retail credit risk management while improving reserve capital and credit portfolio management efficiency.

Scoring Solutions

Application Scoring
Quantifies the risks, associated with loan applications, by evaluating the social, demographic, financial, and other data collected at the time of the application.

Behavioral Scoring
Quantifies the customer behavior to improve your credit portfolio management and customer management.

Collection Scoring
Quantifies the probability of recovery of the outstanding balance for those accounts in collections. Collection scorecard statistically estimates debtor’s willingness to pay and ability to pay and thus helps to define what actions should be done to increase collections.

Fraud Scoring
Rank-order applicants according to the probability that an application may be fraudulent and thus alerts you of potentially fraudulent applications before you book an account.