Diasoft has completed the transfer of the Decision Making System product to a microservice architecture. The product is part of the Digital Q.Omnichannel development platform. It is successfully used in a number of banks as part of the “Credit Conveyor” from the company “Diasoft”. This was reported to CNews by Diasoft representatives.
The product implements the functionality of analyzing data about the borrower received from external systems, such as credit bureaus, various lists (“black” lists, lists of bankrupts, terrorists, AML, and others). The “Decision Making System” automatically calculates the client’s solvency and makes a decision on issuing a loan, and also, if necessary, additionally calculates the matrix of proposals.
If an application for a loan falls into the “grey zone” and automatic decision making is not possible, the underwriter manually analyzes the borrower’s solvency and makes a decision on issuing a loan. The underwriter’s virtual workplace is also part of the Decision Making System.
The system allows you to flexibly set up business rules and matrices for calculating the score and other indicators necessary for making decisions on loans. Strategies and rules are automatically logged, so you can always see how this or that check worked. The tools of the Digital Q.Sensor technological platform allow building dashboards directly in the product – the user receives a prompt report on positive decisions, causes of failures, speed of process execution.
“Among the competitive advantages of the Decision Making System product are an import-independent stack, built-in Java Script, Python and Groovy programming languages, as well as two modes of operation. In the first mode, the system processes data arrays received during the movement of an application along the credit pipeline, in the second mode it independently enriches the data thanks to built-in adapters for external systems: SMEV, Credit Registry, ABS, AML,” said Andrey BorochkinHead of the Credit Conveyor Product at Diasoft.
The modern technology stack and built-in low-code tools can significantly reduce the time-to-market of product updates in accordance with the bank’s changing risk strategies. Due to the implementation in the microservice architecture, product fault tolerance, 24/7 availability and autonomous updating of individual product components without technological windows are ensured.