Credit Decisioning Software Category - SPRING 2022 Customer Success Report - FeaturedCustomers
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SPRING 2022
Customer Success Report
Credit Decisioning
Software CategoryCredit Decisioning Software
Category
Credit decisioning software helps a company determine whether to
approve or decline a loan applicant. The software typically contains a
set of algorithms that automatically review information such as a
credit score, payment history, and other relevant data to make a
decision. The information that goes into the decision is usually
transparent, but can sometimes be proprietary to the company that
developed the decisioning software. The goal of credit decisioning
software is to save companies time and money, allowing them to
provide better service to their customers.
Additionally, it helps lenders predict the risk of approving a loan
application, and then automatically assesses the risk of denying a
loan. The software looks for signals in a borrower’s credit report, such
as the type and amount of credit history, and other factors, like
employment, income, and assets. The software can also take into
account information about the applicant, such as demographic data
and the type of loan application.
SPRING 2022 CUSTOMER SUCCESS REPORT
Credit Decisioning Software Category 2Award Levels
Customer Success Report
Ranking Methodology
The FeaturedCustomers Customer Success ranking is based on
data from our customer reference platform, market presence,
MARKET LEADER
web presence, & social presence as well as additional data
Vendor on FeaturedCustomers.com with
aggregated from online sources and media properties. Our
substantial customer base & market
ranking engine applies an algorithm to all data collected to
share. Leaders have the highest ratio of
calculate the final Customer Success Report rankings.
customer success content, content
quality score, and social media presence
The overall Customer Success ranking is a weighted average
relative to company size.
based on 3 parts:
CONTENT SCORE
●
Total # of vendor generated customer references (case studies,
success stories, testimonials, and customer videos)
●
Customer reference rating score
TOP PERFORMER
●
Year-over-year change in amount of customer references on
Vendor on FeaturedCustomers.com with
FeaturedCustomers platform
significant market presence and
●
Total # of profile views on FeaturedCustomers platform resources and enough customer
●
Total # of customer reference views on FeaturedCustomers reference content to validate their vision.
Top Performer's products are highly rated
platform
by its customers but have not achieved
MARKET PRESENCE SCORE the customer base and scale of a Market
●
Leader.
Social media followers including LinkedIn, Twitter, & Facebook
●
Vendor momentum based on web traffic and search trends
●
Organic SEO key term rankings
●
Company presence including # of press mentions
COMPANY SCORE
RISING STAR
●
Total # of employees (based on social media and public
Vendor on FeaturedCustomers.com that
resources)
does not have the market presence of
●
Year-over-year change in # of employees over past 12 months Market Leaders or Top Performers, but
●
Glassdoor ranking understands where the market is going
and has disruptive technology. Rising
●
Venture capital raised
Stars have been around long enough to
establish momentum and a minimum
amount of customer reference content
along with a growing social presence.
SPRING 2022 CUSTOMER SUCCESS REPORT
Credit Decisioning Software Category 32022 Customer Success Awards
Check out this list of the highest rated Credit Decisioning Software based on
the FeaturedCustomers Customer Success Report.
* Companies listed in alphabetical order
SPRING 2022 CUSTOMER SUCCESS REPORT
Credit Decisioning Software Category 42022
SPRING 2022
Credit Decisioning
Software Category
SPRING 2022 CUSTOMER SUCCESS REPORT
Credit Decisioning Software Category 5106
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Total Customer References
Featured Testimonials
ABOUT ABRIGO
The part I like most about Abrigo Credit Analysis is the global cash flow analysis. By
putting in the individual tax return and the business tax return, or even tax returns for
multiple businesses, it does the analysis to combine all of those in a meaningful way.
KEN BISHOFF
EASTERN UTAH COMMUNITY CREDIT UNION
Abrigo provides market-leading
compliance, credit risk, and lending
solutions to enable its customers If you are looking for a true partnership to implement an automated allowance software,
Abrigo is the way to go. With the complexity and high scrutiny that financial institutions face, it
to think bigger, allowing them to
is imperative to have a team approach with experts on the allowance.
both manage risk and drive
NATHAN KELLEY
growth. Our mission to “Make Big
SVP CREDIT RISK & REPORTING, UNITED BANK
Things Happen” underscores our
commitment to helping
community financial institutions
succeed against “the perfect It’s cloud-based, so it’s easy to make changes on the fly. Plus, the support we
storm” of ever-changing and get from Abrigo is a huge factor. Abrigo is more like a partner to us than a
increasing regulatory vendor or software provider.
requirements, limited resources,
DANIEL FOWLER
increasing and new competition, CREDIT ADMINISTRATOR, CAPITAL CITY BANK
evolving technologies, and
changing customer expectations.
We provide product innovation,
Abrigo’s global analysis ensures accuracy, and the narrative reports provide
world-class support, and
unparalleled expertise so that our
time-savings and consistency. Our examiners have commented that they like
customers can make big things the uniformity our software solution provides to our credit analysis.
happen. KEVIN ATWOOD
EXECUTIVE VICE PRESIDENT, BANK OF CADIZ AND TRUST COMPANY
TRUSTED BY
SPRING 2022 CUSTOMER SUCCESS REPORT
Credit Decisioning Software Category 640
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Featured Testimonials
ABOUT ALKAMI TECHNOLOGY
Alkami provides us with an innovative solution that our members enjoy and works
with us for new features and implementations. Alkami’s platform is so easy to use, rich
in features and flexible. Not just for our members, but for our employees as well.
KAILEY FLUEGEL
VICE PRESIDENT, VIBRANT CREDIT UNION
Alkami Technology enable financial
institutions to outsmart, not
outspend, the Megabanks by
With Alkami’s SDK, we can quickly spin up third-party apps, integrate new apps and add new features
providing the nation’s most
across multiple platforms and devices. It is pretty amazing and it doesn’t matter if you have an entire
successful cloud-based digital software development department like we do at STCU, or you are just about to hire your first developer.
banking platform. The Alkami With the SDK, you have the ability to rapidly add to and enhance Alkami’s platform to meet your member’s
Platform humanizes digital banking needs.
so banks and credit unions can SCOTT RABE
VICE PRESIDENT OF DIGITAL DEVELOPMENT, STCU
confidently grow, adapt quickly,
and build a thriving digital
community.
The platform gives us the ability to customize communication well beyond
promotional messages. The ability to extract raw data and integrate that into
an existing analytics platform is powerful.
MELISSA SCHENKEL
VP, DIRECTOR OF MARKETING AND COMMUNICATIONS, STAR FINANCIAL BANK
We needed a partner who could provide the ability to add new features and functions quickly
with an open digital banking platform. Alkami’s deep expertise in retail and business banking
translates into platform innovations like extensibility with APIs, an expansive software
development kit, plus a modern UX with cybersecurity tools and world-class data centers.
DAVID MITCHELL
EVP, GM AND CHIEF DIGITAL OFFICER, LIBERTY BANK
TRUSTED BY
SPRING 2022 CUSTOMER SUCCESS REPORT
Credit Decisioning Software Category 7260
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Featured Testimonials
ABOUT EXPERIAN I couldn’t be happier with BusinessIQ. The application is extremely easy to use, and the layout of
the reports is excellent. It’s so easy to get right to the key attributes and information I need. It
has made us more efficient while allowing us to reduce our risk and exposure. BusinessIQ is the
foundation of our credit department.
CAROL ODOM
WESTERN REGIONAL CREDIT MANAGER, WURTH
Experian are the leading global
information services company,
providing data and analytical tools Experian’s program transformed our statisticians into credit risk managers. It gave the team the
to Experian's clients around the market and risk-management insight needed to drive real growth in our business by making
world. Experian help businesses to credit decisions quickly and confidently and offering our members the superior level of service
manage credit risk, prevent fraud, they have come to expect from the Desjardins Group.
target marketing offers and PHILIPPE ST-AUBIN
SENIOR MANAGER, CARD STRATEGIES, DESJARDINS
automate decision making. It also
help people to check their credit
report and credit score, and
protect against identity theft. In Our customer service–focused culture means we need to know our customers well. Experian’s
2015, Experian were named by BusinessIQ Premier Profile is one of the best reports in the market for giving us the total view of
Forbes magazine as one of the a company. We are also pleased with the ongoing innovation from Experian, with BusinessIQ
and the integrated capabilities it provides.
World’s Most Innovative
RIC HANS
Companies. Experian employ
MANAGER CREDIT AND COLLECTIONS, DAYLIGHT TRANSPORT
approximately 17,000 people in 38
countries.
Two or three words to describe Experian - the first one to come to mind is stability. Proven -
there's a track record and a level of comfort that we have with Experian. And lastly, being in the
credit net world, the privacy associated with it - the security that Experian as an organization
has is probably the third thing that we are very comfortable with.
KAM NEWMAN
SENIOR COLLECTION ANALYST, DIRECT ENERGY
TRUSTED BY
SPRING 2022 CUSTOMER SUCCESS REPORT
Credit Decisioning Software Category 8436
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Featured Testimonials
ABOUT FICO
Working with FICO helps us make better credit decisions and automate a lot of
our manual processes, therefore bringing a better customer experience.
RAVI SHAH
SENIOR VICE PRESIDENT FOR ENTERPRISE, ARCHITECTURE AND STRATEGY, VANTIV
FICO is a leading analytics software
company, helping businesses in
FICO has the most widely used world-leading credit bueau scoring models and excellent professional service teams. Global
90+ countries make better FICO Score brings immidiate by benefits to our business substantially improving efficiency of our credit decisioning process,
decisions that drive higher levels of and managing risk to reduce losses effectively. All these help us maintain our leading position in a competitive market.
growth, profitability and customer LOLA CHUNG
SENIOR VICE PRESIDENT AND GENERAL MANAGER RISK MANAGEMENT DEPARTMENT,
satisfaction. The company’s
CATHAY UNITED BANK
groundbreaking use of Big Data
and mathematical algorithms to
predict consumer behavior has
FICO solutions are very important to our programs. The implementation is quick, and the
transformed entire industries. systems are user-friendly. We know we are making good decisions every time we need to. And
we have the agility to adjust our strategies when necessary, which is important when you are
starting in a new market.
RICARDO TOLEDO
MARKETING DIRECTOR, ITAÚ-UNIBANCO
Working with FICO, we're building a credit infrastructure that allows us
to stay competitive and grow our business.
LOUISE NICHOLSON
AVP CREDIT INFRASTRUCTURE, TD CANADA TRUST
TRUSTED BY
SPRING 2022 CUSTOMER SUCCESS REPORT
Credit Decisioning Software Category 9111
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Featured Testimonials
ABOUT HIGHRADIUS
We reduced the number of approval layers dramatically. The average to
approve a credit limit dropped from nine to four, which is basically because
we got rid of people that we didn't go into having the approval flow.
SANTIAGO TOMMASI
HighRadius offers cloud-based
SENIOR CREDIT MANAGER, THE MOSAIC COMPANY
Autonomous Software for the
Office of the CFO. More than 700 of
the world’s leading companies
have transformed their order to The main reason behind automating credit was to focus our effort
cash, treasury and record to report where it mattered most.
processes with HighRadius. Our
PAUL WATTERS
customers include 3M, Unilever, DIRECTOR WORLDWIDE CREDIT & TREASURY, MERCURY MARINE
Anheuser-Busch InBev, Sanofi,
Kellogg Company, Danone,
Hershey’s and many more.
Autonomous Software is Before, we were starting to lose business to competitors because it was taking
data-driven software that us generally two days to onboard a customer. Now we can onboard a
continuously morphs its behavior customer in less than an hour. So HighRadius really helped with that.
to the ever-changing underlying LAWRENCE CARROL
domain transactional data. It AR SHARED SERVICES MANAGER, MARTIN MARIETTA
brings modern digital
transformation capabilities like
Artificial Intelligence, Robotic
While working with parent-child companies, we are able to assign a credit limit to the
Process Automation, Natural
parent and then distribute it by percentage between the child companies depending
Language Processing and
on the amount of business we have to do/ expect to do with each one of them.
Connected Workspaces as
PAUL HEARD
out-of-the-box features for the FORMER DIGITAL TRANSFORMATION LEADER AND HEAD OF ENTERPRISE ARCHITECTURE,
finance & accounting domain. MICRO FOCUS
Finance business stakeholders
have been led to believe that they
have only two choices: pick an
application software vendor that
digitizes a paper or …
TRUSTED BY
SPRING 2022 CUSTOMER SUCCESS REPORT
Credit Decisioning Software Category 1030
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Featured Testimonials
ABOUT UPSTART We are excited to enter this partnership with Upstart. With an exceptional all-digital personal
loan experience, it will make credit more accessible and aligns with our focus on reaching more
people in our communities while helping grow our consumer lending business.
NITIN MHATRE
CHIEF EXECUTIVE OFFICER, BERKSHIRE BANK
Upstart is a leading AI lending
platform partnering with banks
and credit unions to expand access
to affordable credit. As they We selected Upstart because of the dynamic nature of the AI underwriting model that allows us
to approve credit-worthy applicants at competitive rates. Thanks to Upstart, we are able to
transitioned to being a public
provide our customers a digital-first consumer lending product as yet another step in the Bank’s
company, they’re now poised to
digital transformation.
leverage their domain expertise
JIM MATERA
and revolutionize every aspect of EXECUTIVE VICE PRESIDENT, APPLE BANK
lending and credit risk evaluation.
They’ve recently expanded their
offerings to include automobile
refinancing and they plan to take
Upstart’s Credit Decision API will enable us to increase the speed of lending
on more verticals as the business decisions, better price applicants and more accurately assess risk, ultimately
grows. to better serve our customers.
GANESH KUMAR
CHIEF OPERATING OFFICER, ORIENTAL BANK
Telhio selected Upstart as our partner for AI lending based on the modern, member-centric experience of its
online personal loan application process. With Upstart’s AI lending platform, we will be able to improve
credit access based on true risk based on over 1,000 variables without the overreliance on the traditional
credit score and debt-to-income ratio to determine a borrower’s creditworthiness.
DERRICK BAILEY
CHIEF SALES OFFICER, TELHIO CREDIT UNION
TRUSTED BY
SPRING 2022 CUSTOMER SUCCESS REPORT
Credit Decisioning Software Category 112022
SPRING 2022
Credit Decisioning
Software Category
SPRING 2022 CUSTOMER SUCCESS REPORT
Credit Decisioning Software Category 1283
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Featured Testimonials
ABOUT ACTICO
ACTICO provides the bank with an integrated system for all rating models that
comprehensively supports our credit analysts during the rating workflow.
STEFAN KROHNSNEST
HEAD OF RISK CONTROLLING, DZ HYP
ACTICO is a leading international
provider of software for intelligent We use the platform for our numerous applications in business rules, pricing, credit solutions,
automation and digital decisioning. and dynamic forms. We have also succeeded in centralizing all the rules in ACTICO Platform
The company provides instead of maintaining them in different business applications. Additionally, we have set up a
best-in-class software and tools collaborative way of working with business experts.
used across multiple industries RATHSON IN
HEAD OF SOFTWARE AND ENGINEERING SERVICES, ASSU 2000 GROUP
enhancing day-to-day
decision-making and end-to-end
automation.
The implementation of the rating models in a robust technical environment has had a very
positive impact on the way credit rating is done, both from a user perspective and also from a
model development perspective. The system has also made it possible to meet our regulatory
obligations extremely well.
JUSTUS ORTLEPP
BUSINESS ANALYST, RAND MERCHANT BANK
As a fintech startup we need to react instantly to changing market requirements and
strategies. Using ACTICO’s credit risk solution based on a graphical rules engine, we
can flexibly and rapidly change our business rules whenever required.
SABINO COSTANZA
CO-FOUNDER, CREDIMI
TRUSTED BY
SPRING 2022 CUSTOMER SUCCESS REPORT
Credit Decisioning Software Category 1317
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Featured Testimonials
ABOUT FINICITY At Emburse, everything we do is about humanizing work. Finicity’s data connections enable us
to fulfill that mission by automating manual tasks and rapidly getting our clients the
information they need. Together, we’re making work easier and making lives better.
TED POWER
CHIEF PRODUCT OFFICER, EMBURSE
Finicity enables a financial
data-sharing ecosystem that is
We can let our customers share their data seamlessly. Finicity’s open banking platform takes
secure, inclusive and innovative. care of bank connections and allows us to focus on our mission of building the credit card of
Through its real-time financial data tomorrow.” So far, the system is working – TomoCredit has a default rate of less than .1%
aggregation and insights platform, compared to the industry average of around 3%.
Finicity provides solutions for KRISTY KIM
financial management, payments FOUNDER, TOMOCREDIT
and credit decisioning. It is also
leading the development and
promotion of industry standards. Finicity has also helped us refine our image with our customers and partners. PHM, in one form or another, has been in
business for over 30 years and, as a realtor affiliate lender, might have been perceived as an old-fashioned lender. While we
The company has developed more
have worked hard to position ourselves as a technology-first company, we're not trying to build a ‘one-size-fits-all’ solution
than 16,000 bank integrations, with designed to force customers into an online-only transaction. I can happily say that with the solutions we’ve architected with
the vast majority through partners like Finicity, we can now complement our brick-and-mortar services with a premium digital experience all while
remaining true to our brand.
connections that provide access to
JUSTIN MESSER
formatted bank data, improving
PROSPERITY HOME MORTGAGE, LLC
information access and accuracy.
Finicity provided a consistent, reliable platform to build on. More importantly, they altered their
internal processes to better deliver a quality experience to homebuyers applying for a mortgage.
Their entire mindset is based on flexibility, and on offering the best technology to their financial
partners.
STEVE MAJERUS
SYNERGY ONE LENDING
TRUSTED BY
SPRING 2022 CUSTOMER SUCCESS REPORT
Credit Decisioning Software Category 1436
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Featured Testimonials
ABOUT OCROLUS This is where Ocrolus really shines. eCommerce entrepreneurs don’t want to spend time recreating
statements on other platforms if they can’t make the aggregator connection. With Ocrolus, they can easily
upload bank statements, and in under two hours we have the data digitized and (more importantly)
analyzed against the risk analytics, from a cash flow perspective.
DENNIS CHIN
HEAD OF STRATEGIC INITIATIVES, YARDLINE
Ocrolus is a fintech infrastructure
company that transforms
documents into actionable data
with over 99% accuracy. Powered We're enhancing the Blend platform with Ocrolus' automated, accurate
by Artificial Intelligence and a document classification and data extraction capabilities. Our partnership with
unique, human-in-the-loop data
Ocrolus enables us to swiftly deliver time-saving innovations to our customers.
validation process, Ocrolus plugs
JEFF BRADDOCK
directly into customer workflows
BUSINESS DEVELOPMENT, BLEND
via API, eliminating the need for
manual data work. The solution
includes built-in fraud detection
Ocrolus unlocks data trapped on documents, addressing one of our core issues in operations:
and analytics, enabling customers
We need quality, consistency and accountability in data; this was tough to achieve with manual
to make smarter and faster
data entry. Ocrolus solves that problem by pulling data operationally at scale and consistently
business decisions with delivering quality data.
unprecedented precision.
SRI KAZA
CHIEF EXECUTIVE OFFICER, FORWARDLINE FINANCIAL
Ocrolus serves as a synergistic plugin for RPA, combining artificial intelligence and
crowdsourced validation to analyze financial documents. We’re pleased to partner
with Ocrolus on a common mission to drive automation and reduce manual
processes.
GRIFFIN PICKARD
DIRECTOR, AUTOMATION ANYWHERE
TRUSTED BY
SPRING 2022 CUSTOMER SUCCESS REPORT
Credit Decisioning Software Category 1524
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Featured Testimonials
ABOUT PROVENIR
With its best-in-class technology for global financial companies, Provenir will
be one of our strategic partners helping us operationalize risk models and
provide real-time solutions to the market.
Provenir helps fintechs and TITO GUTIÉRREZ
financial services providers make COUNTRY MANAGER, FLEXIPLAN
smarter decisions faster with our
AI-Powered Risk Decisioning
Platform. Provenir brings together Provenir has delivered a solution that increases our agility and responsiveness
the three essential components
to clients. The implementation of Provenir’s software will contribute towards
needed – data, AI and decisioning –
Klarna’s global market goals.
into one unified risk decisioning
solution to help organizations BRIAN BILLINGSLEY
CHIEF EXECUTIVE OFFICER, KLARNA
provide world-class consumer
experiences. This unique offering
gives organizations the ability to
power decisioning innovation We have deep insight into every application and contract as we can
across the full customer lifecycle,
instantly get real-time information whenever we need it.
driving improvements in the
JEFF LIVELY
customer experience, access to
SENIOR VICE PRESIDENT DEALER SERVICES, GM FINANCIAL
financial services, business agility,
and more. Provenir works with
disruptive financial services
organizations in more than 50 We found that Provenir outperformed their competitors in the areas where we sought excellence
time to market, functionality, flexibility and technology. With the Provenir solution we will be
countries and processes more than
able to consolidate the systems supporting credit decisions across our whole group onto one
3 billion transactions annually. platform.
FREDRIK RIDAEUS
NORDIC CREDIT MANAGER, RESURS BANK
TRUSTED BY
SPRING 2022 CUSTOMER SUCCESS REPORT
Credit Decisioning Software Category 1649
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Featured Testimonials
ABOUT TURNKEY LENDER
The product has the vast majority of the functionality right out of the box, was
easily integrated with a credit agency to pull FICO scores and the support
team did an outstanding job making our requested customizations.
CHRISTOPHER REED
PRINCIPAL, SHEPARD CAPITAL PARTNERS
TurnKey Lender is a provider of
intelligent lending, decision
management, and risk mitigation The TurnKey Lender team provided Zilingo with an end-to-end lending solution that helps us automate
solutions and services. The origination, approval, servicing, repayment, and more. Thanks to its cloud-based nature, our employees
company’s main product is an and clients around the globe can access the system at any time. In TurnKey Lender, we’ve found a reliable
partner. We know that whenever there’s a challenge, we can work out the optimal solution together.
award-winning all-in-one modular
WANGWEI ZHENG
platform that can automate both
CREDIT MANAGER, ZILINGO
certain parts and the entirety of
the lending process. TurnKey
Lender is the only company on the
We base our credit decisions on your ability to pay rather than looking just at your credit score. TurnKey Lender was able to
market to offer bank-grade accommodate their solution to our requirements and together we keep on improving the product we offer. The solution is
automation powered by AI and very flexible and the team always tries their best to help us. Work with TurnKey Lender is a win-win for us. Because we have
a really good product and the team gets our feedback to better adapt to the needs of our vertical in the process.
deep neural networks to lending
operations of any size. ELIESER GONZALEZ
GENERAL MANAGER, OWN IT 4 LESS
With TurnKey Lender, I was able to apply all my theoretical and practical knowledge of crediting
exactly the way I want. Backed by this tech, Capitex Finance has a competitive edge and greater
flexibility in terms of whom we can approve and lending criteria that are easier to meet. When
banks don’t approve a lender, Capitex Finance is there to help.
OZAN CANGUREL
CAPITEX FINANCE
TRUSTED BY
SPRING 2022 CUSTOMER SUCCESS REPORT
Credit Decisioning Software Category 1739
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Featured Testimonials
ABOUT ZEST AI
Zest really focused on the things that matter most to us: compliance,
documentation, and rigorous monitoring of ML underwriting models.
MIHAELA KOBERJEROWSKI
CHIEF CONSUMER CREDIT RISK OFFICER, FIRST NATIONAL BANK OF OMAHA
Zest AI makes the power of
machine learning safe to use in
credit underwriting. Lenders using Speed is essential to improving the borrower journey. With Zest's help, most of our members
Zest Automated Machine Learning can get an immediate decision. We are able to make faster, smarter decisions using Zest,
make better decisions and better leaving more time for our staff to engage our members and deliver top-notch service.
loans -- increasing revenue, TODD PEEPLES
reducing risk, and automating SVP SALES & LENDING ADMINISTRATION, ALL IN CREDIT UNION
compliance. Zest AI was founded in
2009 with the mission of making
fair and transparent credit What really excites us is the opportunity to offer instant decisions, better
available to everyone and is now
pricing, and personalized service to our members through our partnership
one of the fastest-growing fintech
with Zest.
software companies.
JENNY VIPPERMAN
CHIEF LENDING OFFICER, VYSTAR CREDIT UNION
Financial inclusion is a core principle for Coastal, which is why we felt it was
important to partner with Zest AI, whose industry-leading fair lending tools will
help us create credit opportunities for more members.
DAVID JACOBS
VP CREDIT RISK MANAGEMENT, COASTAL FEDERAL CREDIT UNION
TRUSTED BY
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Credit Decisioning Software Category 182022
SPRING 2022
Credit Decisioning
Software Category
SPRING 2022 CUSTOMER SUCCESS REPORT
Credit Decisioning Software Category 1916
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Featured Testimonials
ABOUT GDS LINK Corserv wraps GDS Link’s data aggregation and decisioning within our internal workflow
processes, handling applications, local branding, prospect/relationship filters, promotions,
products, prequalifications, documentation, options for manual review, disclosures, eConsent,
letters (including ECOA),and reporting while maintaining a complete data model for analysis.
JERRY CRAFT
GDS Link is a global leader in credit
PRESIDENT, CORSERV
risk management, providing
technology solutions, analytical
and consulting services. Their
tailored, customer-centric risk Working with GDS allows us to automate very complex decisioning algorithms
management and process and incorporate new models that could not be accomplished in our old
automation platforms are system. It is the key to success.
designed for the modern lender in
HEAD OF CREDIT INFRASTRUCTURE, SPECIALTY FINANCE
their pursuit to capitalize on the REPUBLIC FINANCE
entire credit lifecycle.
Our long-term success will rely on accessing data sources that are currently
available and will rely on GDS Link’s ability to access additional data sources
in the future. We will add four new data sources next year and four the
following.
DIETMAR BOHMER
CHIEF DATA SCIENTIST, TYMEBANK
Recently, goeasy developed a new adjudication and lending limit strategy that utilized a large
number of statistical models at the same time (7-8). The current process would’ve extended the
project delivery timeliness and by delaying the delivery, reduce the projected results. After doing
some research, we decided to proceed with Predictive Model Markup Language PMML.
ZAUR AKHMEDOV
DIRECTOR, ACQUISITION, RISK & ANALYTICS, GOEASY
TRUSTED BY
SPRING 2022 CUSTOMER SUCCESS REPORT
Credit Decisioning Software Category 2025
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Featured Testimonials
ABOUT SOFT4 Good experience, comprehensive information provided, fast responses despite different time
zones. The SOFT4Leasing product offers all of the features we need to grow and scale the
business. It also incorporates many features that may otherwise normally be separate systems,
for example, accounting, document signing, etc.
JAMES SCURR
FOUNDER AND MANAGING DIRECTOR, CASHFLOW IT GROUP
SOFT4 is an international brand for
industry-specific ("vertical")
software solutions built on the At the end of the day I liked what SOFT4 were offering in terms of software functionality, I also
Microsoft Dynamics 365 Business liked the fact that Soft4Leasing consultant was very measured in giving an answer to our
Central (Dynamics NAV) platform. questions about the capabilities. The other point is that they have been prompt and
We have helped 200+ customers professional.
and 70+ BC partners grow and BOB BURDEN
CHIEF EXECUTIVE OFFICER, SELFCO
improve their business globally.
SOFT4Leasing
(www.soft4leasing.com): Dynamics
365 Business Central add-on for From the very start I was impressed by the level of service provided by the Soft4 specialists and
asset finance and leasing how smoothly and efficiently the system implementation took place. The Soft4 Development
Team is flexible and has tailored the software to meet my needs. It is reassuring to know that
companies. SOFT4Lessee
the system is capable of meeting any demands as my business continues to grow.
(www.soft4lessee.com): Dynamics
OFFICE MANAGER
365 Business Central add-on for
CITADELE BANK
lessees, in need to manage lease
accounting according to IFRS 16
changes. Can be integrated into
EFTA has worked with SOFT4 for four years and found them to be flexible and accommodating to our needs. EFTA operates
any accounting software. in SME leasing in Africa, a complicated and unpredictable sector which requires a system that can respond accordingly.
Soft4REALESTATE SOFT4 provided creative solutions to help adapt SOFT4Leasing to our needs, as well as patient support once the system
had been in put in place. Furthermore, SOFT4’s staff are noteworthy for their friendliness and emphasis on customer
(www.soft4realestate.com):
service. EFTA would happily recommend SOFT4 to anyone looking for a value for money solution to their complex business
Dynamics 365 Business Central needs.
add-on for property management TIM ELLIS
companies and property CHIEF OPERATIONS OFFICER, EFTA
operators. SOFT4Factoring
(www.soft4factoring.com):
Dynamics 365 Business Central
add-on for factoring companies.
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