Retail Credit Decisioning
Decide in Seconds.
Lend at Scale.

Automated retail credit decisions for banks, financial service providers and FinTechs. New: AI-assisted modeling. Your decision logic takes shape with the speed and reach of AI, fully under your control.

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Automate credit decisions. Faster, more consistent, explainable – now built and optimized with the speed and reach of AI.

The ACTICO Credit Decision Platform automates your retail lending: from application through credit scoring with internal and external data to the final decision in seconds. Business experts and IT model the decision logic behind it — business rules and machine-learning models, across all systems, processes and channels, real-time and at retail scale.

What is new is that AI agents build and adapt the models together with you, while your business experts review and approve. Your decisions stay explainable and auditable at any time, and the decision logic behind them can be adapted to new regulations, markets and customer needs with the speed and reach of AI.

AI agents for your credit modeling

AI agents help your credit risk teams build and evolve scoring methods and rule models faster. From a new credit product or updated risk model to a tested, documented model: the agent builds the change, generates the tests, and documents what it did. Every governance step stays in place — your business experts approve.

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Why banks, financial service providers and FinTechs choose the ACTICO Credit Decision Platform for their retail credit decisioning

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Minimized effort in building and daily operations

Your credit risk and business teams model scoring methods, rules and decision strategies themselves, without waiting on IT. Changes to existing models happen in hours instead of weeks, with rapid deployments and graphical model comparison. New: AI agents help build, test and update models faster.

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Performance that supports your growth

The platform scales horizontally and vertically, for real-time decisions as well as batch processing. Proven in production at retail lenders processing thousands of decisions per second and millions per day.

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Faster and consistent decisions

Credit applications are scored and decided in real time — for instant loans, point-of-sale financing and behavioral scoring. Every decision is consistent across all channels, whether online application, branch, or partner network. Your customer gets the same answer, no matter where they apply.

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Lower default risk through the combination of rules & ML

Rule-based credit policies and machine-learning models work together in one decision: rules set the guardrails, ML models evaluate trends and detect patterns (behavioral score, credit default, fraud). Simulation against historical data shows how a new model performs on your portfolio before it goes live. That is how you find the best trade-off between rejection rate and default rate.

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Explainable and auditable – for the decision & the model behind it

Every credit decision is explainable: reason codes, score explanations, full documentation — for your customers, internal support and regulators. And every model is governed: who deployed which scoring model when, with which approval? The platform versions every change in an audit-proof manner, for rule-based and AI-based models, for manual and agentic adjustments.

Performance in production

Scaled in enterprise environments with the highest throughput and availability requirements. For retail credit decisioning as well as adjacent decisioning processes.

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Bajaj Finserv — 1.04 billion calls daily.

Behavioral scorecard.

Read the customer story →

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ING — 345 million events daily.

Real-time customer event stream processing with rules and AI/ML.

Read the customer story →

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PostFinance — 1.44 billion transactions daily.

Batch transaction monitoring.

ACTICO is a Leader in 2026 Gartner® Magic Quadrant™ for Decision Intelligence Platforms.

Gartner evaluates decision intelligence platforms on how well they combine decision modeling, data and AI to automate, govern and account for decisions. Download the report to see why we are named among the Leaders in the Gartner® Magic Quadrant™ for Decision Intelligence.

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The building blocks of intelligent credit decision automation

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Modeling with AI agents

AI agents build and adapt your scoring methods and credit decision strategies directly in the platform, as a graphical, readable model. Your team reviews and approves.

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Machine-Learning Models

Integrate behavioral scorecards, credit default models and fraud scores from Python or other frameworks directly into your decision logic. Explainable and traceable in production.

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Model Management

Manage your credit risk models securely across their entire lifecycle. The ACTICO Model Hub versions every change and records approvals in an audit-proof manner.

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Decision Execution

The execution engine makes credit decisions in milliseconds — for instant loans, point-of-sale financing and behavioral scoring. Scales to thousands of decisions per second.

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Credit Bureau Gateway

Central connection to leading credit bureaus. With response-time monitoring, report caching and standardized PDF generation — integrated directly into your credit decision.

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Integration

Connect internal core banking systems, databases, open banking feeds and external data providers to your decision logic. Through standard APIs (REST, SOAP) and connectors.

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Recognised throughout the industry.

For many years, ACTICO has been recognised by customers and analysts as a leading provider of Advanced Decision Automation Technology and solutions for Compliance and Credit Risk Management.

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Talk to our experts about your new credit decisioning solution.

Available on-premise, in your private cloud, or as a fully managed cloud service — tailored to your IT landscape and regulatory requirements.
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