CLIENT


COFIDIS

SECTOR


Financial Services

COUNTRY


Portugal

METHODOLOGY


Iterative

DELIVERY MODEL


Time and Materials

TECHNOLOGIES


IBM ODM

CREDIT ANALYSIS

Cofidis is a financial institution that emerged on the Portuguese market in 1996. Along the years, it has achieved a leading position in the sale and management of credit to private individuals, currently holding more than 500 thousand clients by a personalized service.

In a corporate and technological world in which decision making must be quick, there is still an excessive decentralisation of business rules.

The rules implemented in this engine resulted in a reduction of operating costs without the need of systematic changes in coding, generating new versions, testing, approvals, among others.

The IBM ODM solution allowed implementing a rules engine to support the decision making process with the centralisation of business rules in a single solution, thus obtaining more agility in planning, execution and time reduction, which are crucial factors to achieve goals aiming the differentiation from the competition. Likewise, it allows a build integrated with 5 more core applications and rules editor with a natural language. Such approach allowed obtaining very positive results with a quicker response to the client regarding the credit analysis.

CHALLENGES

SOLUTION

IMPACT ON THE BUSINESS

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