SAS Credit Origination
Simplify your credit onboarding with SAS Credit Origination – an AI-powered platform that automates decisioning, orchestrates data, integrates analytics in real time and enforces robust governance. Smarter credit decisions start here.
Why choose SAS for credit origination?
SAS offers a single, cloud-native platform that executes AI-driven decisions in real time or batch, minimizing risk while reducing customer friction for a seamless credit journey.
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Design decision flows with no-code/low-code tools
Easily manage your credit origination strategies with an intuitive decision flow builder. Drag and drop elements like rulesets, AI/ML models (including open source), segmentation trees, advanced list lookups, and custom code (SAS, Python, SQL) to create powerful, tailored workflows.
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Segmentation trees
Empower business users to identify clear, actionable paths with visual cues that make complex business rules straightforward to create, manage and govern.
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Enrich decision intelligence in real time
Integrate with third-party data providers – such as credit bureaus, open banking, ID verification, device/contact intelligence and watchlist screening – to enhance decision intelligence.
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Simulate & assess the impact of changes
Run tests and simulations to assess the impact of changes prior to publishing to production. Ensure that decisions are optimized to reduce customer friction, mitigate risk and maximize customer outcomes.
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Streamline the analytics life cycle
Develop data mining and machine learning pipelines that you can automatically deploy and monitor in decision flows.
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Automate the decision governance process
Customizable workflows and tasks enable decision deployments that are repeatable and governed for regulated environments. Trigger a maker-checker process that ensures that impact assessment is approved, versions are compared and the route to live is automated using a CI/CD process.
Key features
Improve the speed and accuracy of your credit decisions by linking people, processes and technology across your organization.
Accelerated analytical decisioning life cycle
A single cloud-native solution covers the entire credit risk life cycle – from data management to model development to decision/strategy management to model monitoring and reporting.
Seamless data integration
Real-time API integration with open banking, credit bureaus and other third parties verifies identities, assesses affordability and creditworthiness, detects fraud, and manages financial crime compliance. It also utilizes the native drivers for more than 70 databases to retrieve internal information on demand.
Flexible, open & governed
Develop and deploy SAS or open source models for use in batch or real-time decision flows. Create A/B champion/challenger tests that execute models or business rules and monitor strategy performance in real time using integrated model management and reporting capabilities.
Drag-and-drop interface
No-code user interfaces make decision authoring efficient and easy, accelerating innovation cycles by more than 300%. Quickly and easily update and test your strategies based on economic or market conditions and ever-changing regulations to generate optimal returns while mitigating risks.
Automated route to live
Customizable workflow and tasking enable decision deployments that are automated and governed for regulated environments, without the need for IT involvement. Includes maker-checker, version comparison, print model/decision documentation.
Real-time or batch decision execution
Whether it is for credit originations, credit life cycle management, fraud, financial crime or marketing, SAS® Viya® is a unified enterprise decisioning platform that scales to manage more than 20,000 events per second, responds in milliseconds and is highly available.
Automated decision strategies using agentic AI
The integrated analytical feedback loop automates the machine learning process, optimizing models and decision strategies in real time.
Multiple deployment options
Let SAS manage your solution in the cloud via hosted or remote managed services. Or you can manage the solution in your own cloud or on-premises infrastructure.
Organizations of all sizes are working smarter with SAS
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Elevating the customer experience while making faster, smarter credit decisions
Featuring state-of-the-art analytics technologies, a solution encompassing SAS Risk Modeling and SAS Intelligent Decisioning on the cloud-native SAS Viya platform enables well-informed credit decisions, reduces turnaround times and provides an enhanced experience for ABBANK’s customers.
Chartis RiskTech100® 2025 Awards
SAS ranks #2 overall – with six category wins
SAS is ranked second overall in the world's foremost ranking of the Top 100 risk management and compliance technology providers. SAS also bested six technology award categories, including AI for Banking, Balance Sheet Risk Management, Behavioral Modeling, Enterprise Stress Testing, IFRS 9 and Model Risk Management.
Related products, solutions & capabilities
- SAS Managed Cloud ServicesTake advantage of cutting-edge SAS technology with maximum uptime using SAS managed cloud services.
- SAS® Anti-Money LaunderingTake a risk-based approach to monitoring transactions for money laundering and terrorist financing activities.
- SAS® Credit Customer ManagementDetect, prevent and manage risk across the entire customer life cycle with SAS Credit Customer Management.
- SAS® Fraud Decisioning클라우드 네이티브 차세대 사기 판정 솔루션으로 고객 라이프사이클 전반에서 사기를 실시간으로 감지, 예방, 관리하세요.
- SAS® Intelligent Decisioning분석에 기반한 강력한 비즈니스 규칙을 손쉽게 생성, 관리, 통제하여 대규모 의사결정을 지원합니다.
- SAS® Risk Modeling내부에서 위험 모델을 신속하게 개발, 검증, 배포 및 추적하는 동시에 모델 위험을 최소화하고 모델 거버넌스를 개선합니다.
- SAS® Viya®더 빠른 데이터 통합, 효과적인 모델 개발, 클라우드 비용 절감. 이 모든 장점을 누려보세요.
- 리스크 매니지먼트SAS의 지능형 위험 분석을 통해 기업 리스크 인식 문화를 구축하고 자본 및 유동성을 최적화하며 규제 요구 사항을 충족하는 방법을 확인하십시오.