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.
SAS Viya is cloud-native and cloud-agnostic
Consume SAS how you want – SAS managed or self-managed. And where you want.
Related products, solutions & capabilities
- Risk ManagementRozwiń swój biznes dzięki oprogramowaniu SAS poprzez kompleksowe podejście do ryzyka i zagrożeń w ramach całej organizacji.
- SAS Managed Cloud ServicesTake advantage of cutting-edge SAS technology with maximum uptime using SAS managed cloud services.
- SAS® Anti-Money LaunderingPrzyjmij podejście oparte na ryzyku do monitorowania transakcji pod kątem prania pieniędzy i finansowania terroryzmu.
- SAS® Credit Customer ManagementDetect, prevent and manage risk across the entire customer life cycle with SAS Credit Customer Management.
- SAS® Fraud DecisioningWykrywaj, zapobiegaj i zarządzaj oszustwami w całym cyklu życia klienta - w czasie rzeczywistym - dzięki natywnemu dla chmury rozwiązaniu do podejmowania decyzji o oszustwach nowej generacji.
- SAS® Intelligent DecisioningEasily create, manage and govern robust, analytically driven business rules to power decisioning at scale.
- SAS® Risk ModelingQuickly develop, validate, deploy and track risk models in house – while minimizing model risk and improving model governance.
- SAS® Viya®Skorzystaj z szybszej integracji danych, efektywnego opracowywania modeli i niższych kosztów związanych z chmurą.
