The ApPello Credit Scoring System is designed to provide a uniform, demand-driven solution for the automated credit scoring of various client segments of financial institutions.

The strength of the application lies in its openness and flexibility. Credit Scoring is capable of taking the input data necessary for the scoring process from the other systems of the bank, while the final output generated as a result of the scoring workflow can be used by any connected application.

The Application provides the necessary flexibility for the scoring of different client segments (retail, micro corporate, SME, corporate) and transaction types on the basis of various sets of criteria. A major characteristic feature and advantage of the Solution is that from the basic components, the data sheets, calculation processes, scorecards and other business objects can be compiled and modified (freely parameterized) through a simple user interface. The architecture is open enough to ensure that new developments, as may be necessary (e.g. new analyzing functions) can be added with the least possible effort, even by the staff of the financial institution.

The main functionality and characteristics of the Application:

• Definition of scoring workflow processes in accordance with the business requirements
• Storage and analysis of financial data of different structure, as well as the generation of the necessary data structures through parameterization
• Parameterization of the questionnaires for the scoring, as well as the necessary database and the user interface for the data to be entered for the scoring workflow types defined on the basis of various criteria
• Parameter controlled operation of the indexes, scorecards and other business intelligence needed for the evaluation and analysis, with the possibility of using external functions if necessary
• Optional client and collateral data handling within the Application or import of such data from other systems of the bank