Instant Decision Manager (IDM) is an end-to-end credit decisioning system that automates
the credit request processing life cycle from credit application submission to approval,
without any human intervention. IDM leverages the credit administration policies and risk
evaluation models specified in the
Business Process Model and
Credit Risk Model respectively
to evaluate and decide on a customer’s credit request.
The IDM System
IDM communicates the decision reached from processing the customer’s credit application
by an on-line response and by e-mail to stakeholders of the account.
The IDM Advantage
The IDM is about speed, accuracy and overall efficiency in processing
low value and high volume credit applications/requests. Specifically,
you get the following benefits with our IDM solution:
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Improved turnaround time on new applications with speedier and consistent decision.
Typical turn-around times of less than 5 seconds per application processing.
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Delegate credit decisioning to superior technology and concentrate on improving
relationship between internal and external customers.
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Freeing analyst to concentrate on managing very high value and high risk accounts,
which require considerable subjective day-to-day judgments.
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Minimize the potential for bad debts arising from in-effective manual credit-decisioning process.