Product Type: Market Research Report
Published by: TowerGroup
Published: April 2005
Product Code: R301-927Description TowerGroup Research Note V42:14C, Automating Retail Loan Decisions: Engines That Could, details the genesis and architecture of decision engines, explains how they work in the day-to-day world of consumer credit, and provides advice on resolving the issues that inhibit full utilization. This Research Note is a companion to that work and describes decision technology solutions that are successfully deployed in the industry. It discusses how other processing solutions (also entrenched) have chosen to use another provider's engine and how a few niche vendors are taking the road less traveled. Note that this Research Note does not discuss decision solutions provided specifically for mortgage or credit card processing.Table of Contents - TowerGroup Take-Aways
- Report Coverage
- Background
- Exhibit 1: A Decision Engine Is a Callable Logic Component Integrating Rules and Models (2005)
- Major Credit Decision Engines
- Exhibit 2: Installed Retail Loan Decision Engines (2005)
- APPRO
- CGI-AMS
- Fair Isaac Corporation
- MindBox
- Why Reinvent the Wheel?
- Fidelity Information Systems
- Harland Financial Solutions
- Metavante
- One to Watch
- Off the Beaten Path: Niche Technologies
- Exhibit 3: Decision Technologies Used in Retail Lending (2005)
- Battling Identity Theft
- Exhibit 4: Identicate's Role: Accessing Data, Querying Questionable Retail Loan Applicants
- Concentrating on Automobile Finance
- Harnessing the Engines
- Summary
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