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Real Time Credit Decision advanced analytics application

An advanced analytics application that helps banks and financial institutions manage end-to-end development of credit scoring models.


Credit risk has always been one of the top issues in financial services, and there’s a growing need to automate procedures to help manage the ever-increasing workload that risk offices face.

To ensure responsive and efficient management of credit scoring, it is essential to quickly develop and deploy grids of acceptance that are reliable, accurate, automated and based on advanced analytics applications.

The Real Time Credit Decision application helps banks and financial institutions with managing end-to-end development of credit acceptance models.

Learn more about the Accenture Insights Platform and the portfolio of Analytics Apps

Specific Services

Credit scoring allows users to develop and execute scoring grids and business rules, with features to support every need, such as analyzing data quality, binning of continuous variables, selection of historical depth to be used for sampling and more.

Key features

  • Testing and simulation of possible impacts before running campaigns.

  • Flexible approach to define segments and actions.

  • Credit risk matrix allows users to summarize different credit scores for each client.

  • A comprehensive and analytically oriented data model.

  • End-to-end and focused on business outcomes, from generating credit scores to defining target campaigns.

  • Modular approach that allows users to grow at their own pace.

  • Insight-driven, making for easier change management.

Why Accenture

Our scalable Accenture Insights Platform has financial services applications built in, providing fast and easy access to an array of industry and functional applications that bolt on to the platform. In this way, clients experience quicker time to market and more rapid results. 

Clients also access our wide range of capabilities rooted in:

  • Industry knowledge. The validity of our advanced analytics outcomes is underpinned by our deep knowledge of the sector.

  • Business. Applications are designed for business users and focused on business results, minimizing advanced analytics complexity. Getting to accurate outcomes does not require statistical, mathematical or IT knowledge—just business know-how.

  • Flexibility. Applications are based on a framework that can be easily integrated in an enterprise operational environment to drive business process action.