Real-Time Decision Execution
Instant Decisions. Consistent outcomes.
At its core, IDM executes credit decisions automatically and in real time — combining integrated data, scores, and configured strategy to produce an instant, policy-aligned outcome for every application.
IDM can be deployed within your own IT infrastructure or hosted by Creditinfo, with every decision transparent and auditable for regulatory and compliance purposes.
The platform scales to any volume, from micro-lenders to multinational operators, with no ceiling on application throughput. Genuine, low-risk applicants receive a decision within seconds, removing dropout from manual review queues.
Every decision applies the same credit policy consistently across all channels — web, branch, mobile, and partner — and is fully web-services enabled.
Key Features
- Real-time automated credit decisioning
- Scalable from micro-lender to multinational operator
- Consistent credit policy across all channels
- Real-time and batch decision execution
- Affordability, DTI, and credit-limit calculation at decision
- Deploy on-premises or in Creditinfo's hosted environment
- Transparent decision logic with full audit trails
Use Cases
- Evaluate consumer and SME loan applications instantly
- Power digital lending and instant approval journeys
- Automate high-volume microfinance lending
- Deliver real-time decisions in online customer journeys
- Reduce manual underwriting and operational cost
- Apply consistent decisions across every channel