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Decision engine

Managing complex business calculations can be time-consuming and challenging, especially without the right tools. The Decision Engine offers an easy configuration of business rules for automation of processes like pre-screening, scoring, collection strategy selection, … even for non-technical users.

ApPello offers cutting-edge digital lending solutions for banks of all sizes, ensuring efficiency and scalability in loan origination and servicing.

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Complex decision-making processes, involving various customer segments and product variations, can be streamlined with automation. The Decision Engine simplifies pre-screening, scoring, and decision points, allowing easy management of decision logic based on customer segments, product variations, and other factors.

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Main Benefits

Graphical visualisation of business logic

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Configurable Decision Engine with Business Rule Management

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Models can be versioned, test/live models can be compared

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Supports financial functions and Basel II, III indicator calculations

Champion-Challenger functionality

Quick implementation and configurable business logic without need for coding

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Product features

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Dynamic data processing

ApPello's Decision Engine stands out for its openness and flexibility. Designed for seamless integration with existing systems and external data sources, it ensures that output can be easily accessed and used by any connected application. This streamlines workflows, reduces operational risks, and boosts efficiency, ultimately supporting better business management.

Dynamic data processing

The image displays a detailed financial dashboard for a company, showcasing various loan products, their respective loan numbers, limits, and associated currencies in a tabular format, with options to prepare an application and view application details.

Flexible scorecard definition

With the Decision Engine, scorecards can be easily created and maintained, providing a robust framework for evaluating creditworthiness. The flexibility of the system allows questionnaires and scorecards to be adjusted periodically to align with regulatory requirements and changes in credit policies. Users have the ability to parameterize all rules simultaneously within the process, ensuring efficient management and customization.

Flexible scorecard definition

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Champion-Challenger & Bulk Testing

The Decision Engine is a powerful tool that allows organizations to challenge their existing practices and build multiple models for comparison. It enables testing and validation by comparing test scenarios to live models.

Champion-Challenger & Bulk Testing

Decision trees

The Decision Engine offers parameterized data models, processes, and rules, empowering Analysts / Experts to create new questionnaires and scoring models for new products or client sub-segments. Modifying the logic or parameter board is made simple, as the system allows for the addition of new parameters, cloning, inactivation/activation, or archiving of old ones, without the need IT intervention. This user-friendly system puts control in the hands of the bank, enabling easy management and customization.

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A corporate workflow diagram displaying a draft version, featuring interconnected nodes for operations like calculations, product parameters, risk analysis, and partner scoring, depicted with arrows indicating process flow.

Workflow automation

Did you know that adding extra input fields to a loan application form can cause banks to lose potential clients?

ApPello’s Decision Engine, in seamless integration with Camunda’s Workflow Engine and our Customer Portal, offers a flexible solution to optimize digital decision-making processes. This trio of tools enables users to design and test new workflows in hours, drastically reducing development time and enhancing the overall customer experience.

Workflow automation

Did you know that adding extra input fields to a loan application form can cause banks to lose potential clients?

Workflow automation

Did you know that adding extra input fields to a loan application form can cause banks to lose potential clients?

Workflow automation

Did you know that adding extra input fields to a loan application form can cause banks to lose potential clients?

For ALL segments & complexity levels

The Decision Engine caters to both corporate and retail segments, offering flexibility in managing risk conditions. The system allows for the separation of risk conditions, associating them with specific sectors, and operating independently.