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Score!T - Benefits

Score!T helps to:

  • Increase consistency of business decisions - Applications are treated in a consistent and unbiased way, which means that applications with the same contents get the same score. At the same time a complete management control over credit approval system allows for loosening or tightening lending policy resulting in increased potential in approvals.

  • Reduce operating costs - The process automation is improved and more efficient.

  • Improve customer service - Decisions are taken in a fast and consistent way at the application point. Moreover, the low risk applications are processed considerably faster.

  • Improve portfolio management - Credit portfolios are managed more effectively and dynamically due to:

    • Better prediction of credit losses,
    • Management ability to react to changes fast and accurately,
    • Ability to measure and forecast impact of policy decisions,
    • Quick and uniform policy implementation.