Transcapitalbank of joint stock bank (FICO Capstone Decision Accelerator)

Neoflex and Transcapitalbank company completed implementation of an automated system of adoption of the credit solution and integration of the IT system into process of issue of the retail credits.

Key components of the credit pipeline of "Transcapitalbank" became the integration solution on the IBM WebSphere Enterprise Service Bus platform and an automated system of adoption of the credit solution FICO Capstone Decision Accelerator.

The solutions implemented by specialists of Neoflex provide automation of sales in all segments of retail lending — at issue of mortgage, automobile and consumer loans. The integration bus allows to perform effective interaction of the business applications selected by bank and also provides an operative communication with internal and external databases, including information sources of three bureaus of credit histories, Federal Migration Service and traffic police of the Russian Federation.

In general, on a withdrawal of "Transcapitalbank", the project allowed to reduce time of processing of credit requests and to reduce the level of credit risks.

Valery Shane, the vice president of "Transcapitalbank", the managing director of directorate of information and payment technologies, gave the following assessment to the project: "At a preparation stage we recognized that the best in the solution class are necessary for bank. As for IBM WebSphere ESB, it is already actually industry standard of integration, and competences of Neoflex company in SOA are confirmed by a set of successful projects. FICO CDA is the product checked by hundreds of implementations in the leading world banks. And though in Russia the FICO CDA platform is yet not so widely known, in the project it was at the best. Additional confirmation of correctness of our choice was the fact that the credit strategy developed together with Neoflex company for a mortgage segment underwent audit in FICO company and was highly appreciated".

"We could offer "Transcapitalbank" not only the services in integration of business applications, but also implementation business components for management of the credit policy of bank there are FICO CDA. I want to note also the fact that within the project our consultants configured decision-making algorithms only on one of three credit products — a mortgage, and business rules for a car - and consumer loans were implemented in a system by specialists of bank for whom training in skills of work with FICO CDA was organized. Thus, the customer received a system which he will be able independently to support and develop" — Alexey Makeev, the area director of SOA of Neoflex company reported.

According to László Chuk, the vice chairman of the board of "Transcapitalbank", "the bank received completely automated decision making process, since selection of products and scoring before calculation of limits and rates. FICO CDA completely manages decision-making according to the request and process of data collection. A flexible system can be configured by credit managers independently, without the permanent help from IT specialists".