Decisioning Across the Customer Lifecycle

IDM powers decisions across the full customer lifecycle.

IDM applies consistent, automated decisioning across every stage of the credit lifecycle — from originations, through ongoing customer management, to collections and recoveries.

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Delivered to ISO 27001, ISO 20000-1, and ISO 9001 standards, IDM provides an integrated, end-to-end decisioning capability across consumer, SME, and telecom segments.

At originations, IDM evaluates new applications in real time. Through the relationship, it supports portfolio reassessment as customer data changes. In collections, it helps prioritise and segment delinquent accounts for more effective recovery.

IDM also sits within Creditinfo's broader analytics and decisioning suite — working alongside Creditinfo Advisor for portfolio management, the Business Evaluation Engine (BEE) for rules management, and the SME Portal for SME application submission.

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Key Features

  • Originations — real-time application decisioning
  • Customer management — portfolio reassessment
  • Collections — prioritisation and segmentation
  • Consistent policy across the full lifecycle
  • Integrated with Creditinfo Advisor (portfolio management)
  • Integrated with Business Evaluation Engine (BEE)
  • Integrated with the SME Portal
  • Deployed across 25+ African markets and beyond

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Use Cases

  • Automate origination decisions for consumer and SME
  • Reassess existing customers as their data changes
  • Prioritise collections for more effective recovery
  • Deploy IDM standalone or as part of the full suite
  • Serve consumer, SME, and telecom lending segments
  • Scale consistently across multiple markets

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Ready to discuss this product?

Tell us what you are trying to solve and we will connect you with the right Creditinfo product or regional team.

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What happens next

A focused product conversation covering:

Use case: your customer journey or risk process.
Market context: country, segment, and regulatory requirements.
Requirements: data, workflow, and integration needs.
Routing: the product or regional team best placed to respond.