Clever Decision®

A tool that allows you to implement, maintain, update and document the necessary strategies for your business in a quick, easy, efficient and precise manner. With this product, the right decisions are made at each stage of the customer's life cycle; from its prospecting, its origination, to the administration of its relationship with the entity, allowing to promote its loyalty, maximize its profitability or manage its collection.

With Clever Decision®, you decide better

Clever Decision®, allows you to implement, maintain, update and document the necessary strategies for your business in a quick, easy, efficient and accurate manner.

It represents a necessary investment that will allow you to make the right decisions at each stage of the customer's life cycle; from its prospecting, its origination, to the administration of its relationship with the entity, allowing to promote its loyalty, maximize its profitability or manage its collection.

In evaluating any client, there is often a large amount of data and different ways to interpret it. Making a quick and precise decision regarding the credit risk to be assumed if the client is accepted, if a new product is provided or if the current conditions are deepened, is very difficult and it can cause considerable damage to your company.

Clever Decision® is a sophisticated decision engine that allows to identify the potential of each client, based on the entity's information, statistical models (scorings) and business rules.


Clever Decision® is a tool that intelligently processes and maximizes the entity's information, making the right decisions for each niche through segmentation trees.

Productive Characteristics

  • Cutting edge multi-platform tool for decision making;
  • Online(individual) and Batch (massive) processing;
  • Powerful analysis system that allows to test, simulate, evaluate and improve strategies in an agile way;
  • It helps the entity maintain competitive advantages;
  • It provides business options to its customers, regardless of the access channel that they prefer;
  • Implements scoring models for any part of the credit cycle;
  • Flexibility: it is possible to react quickly to changes in the market, legislation or what the competition forces us through the web parameterizer.
  • It implements strategies in the day if necessary;
  • Improved strategies using automated prediction and simulation techniques, challenging the current business model by improving the entity's ability to balance the risk, cost, profitability and customer expectations;
  • It offers products and services to different customer niches through portfolio segmentation;
  • It allows the entity to react in an agile way to the demands of the market;
  • It tests various strategies using the Champion / Challenger functionality.

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