信贷机构只需数小时（而非数周）即可推出定制解决方案
公司规模
1,000+
地区
- Europe
国家
- United States
产品
- IBM Operational Decision Management
技术栈
- IBM Operational Decision Management software
实施规模
- Enterprise-wide Deployment
影响指标
- Customer Satisfaction
- Productivity Improvements
技术
- 应用基础设施与中间件 - API 集成与管理
适用行业
- 金融与保险
适用功能
- 商业运营
用例
- 质量预测分析
- 补货预测
服务
- 软件设计与工程服务
关于客户
该组织是一家消费者信用报告机构，业务遍及北美、欧洲和拉丁美洲。它使用来自多个外部来源的信息为金融机构、企业、政府和个人创建基于信息的产品和服务。该信用机构不断努力帮助其客户做出更好的业务决策。例如，除了提供信用评级外，它还希望能够根据消费者最近的财务历史为其客户（如信用卡公司和银行）提供更有效、更有针对性的追加销售和交叉销售建议。
挑战
该信贷机构希望改进其决策管理流程，以提高其为客户提供的产品和服务的价值。该机构希望根据消费者最近的财务历史，为其客户（如信用卡公司和银行）提供更有效、更有针对性的追加销售和交叉销售建议。该机构还希望能够在消费者获得信贷后随时掌握他们的财务评级，以帮助贷方最大限度地降低风险。开发该机构系统的一个关键挑战是让客户能够快速更改其信用风险决策政策。这将提高他们的命中率，改进他们销售的产品，并增加他们所提供产品的收入。
解决方案
该机构使用 IBM 运营决策管理软件创建了一个解决方案，使客户能够更好地控制业务规则。然后，该机构使用 IBM 运营决策管理软件创建了一个业务规则解决方案，可以实现更好的自动化决策。使用该解决方案，该组织为其用于分析申请人支票账户资格的分析算法创建了两个工作流程。“冠军”工作流程包括经过测试和验证的算法，“挑战者”工作流程包含需要评估的新算法。系统收集有关挑战者和冠军工作流程中算法执行情况的数据。然后，该机构可以决定从挑战者流程中删除算法，或者，如果挑战者流程的表现优于冠军流程，则公司可以切换到更有效的挑战者流程。IBM 平台使业务用户可以轻松地自行进行这些更改，而无需 IT 参与。
运营影响
数量效益
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