Decision Engine
ApPello Decision Engine, Client Rating & Credit Scoring System accommodates transactional and portfolio models for all segments, including different types of questionnaires (objective and subjective), financial statements, financial indicators and Basel II, III indicators. The scorecards and rules are easily adjustable by business users, even without IT or vendor intervention, so that the Bank is able to keep up with the ever-changing market and regulatory environment.
The models can be different by product or client sub-segments. They may be versioned and test-live models can be compared (champion-challenger). All parameters within the system are base parameters therefore mass upload of data components are feasible through an excel file. The built-in decision tree enables users to analyze results and gain more knowledge on approvals or rejections. The system can work as stand-alone Decision Engine as well as it can be integrated with ApPello Loan Origination and Debt Collection Systems or other solutions.
The engine can handle pre-screening, classical scoring and any additional decision points. Users also have the access to see the results and potentially modify them. This can be customized according to the hierarchy level giving and limiting various rights to different functions within the organization. Furthermore, the decision engine is able to provide alternative loan offer combinations. Besides loan origination, ApPello Decision engine can be fund of the monitoring and collection strategy development.
  • Manage scorecards without IT support
  • Highly integratable solution
  • Easy integration changes by business users
  • Dynamic data model, dynamic questionnaires
  • Financial and Basel II, III indicators calculations
  • Models versioned, test-live models can be compared
  • Pre-screening, classical scoring
  • Provides alternative loan offer combinations
  • Bundle scoring capability
  • Mass upload of data components are feasible through an excel
  • Improved efficiency in risk management
  • Fast reaction to regulatory and environmental changes
  • Reduced it maintanence cost
  • Clear answers and information of further workflow steps
  • Decision result analysis with the help of decision tree


The decision engine is highly integrateable with loan origination and other solutions. The data from the loan origination solution or individual parameter tables are evaluated, scored, aggregated and assessed by ApPello Decision Engine. XMLs arriving from the loan origination solution are managed by the Engine and the processed data are sent back by the same manner. Having regard to the frequent regulatory and environmental changes, in case of the expansion of the XML the system is able to handle the assigning new tags to the new variables with the help of configurable interface.

As a result of the evaluation of the application, the Engine is able to provide clear answers and information of further workflow steps (acceptance, rejection, manual review, mitigation strategy: surcharge, guarantor, cover) for the Loan Origination System thus reducing operational risk and improving efficiency.

2 Dynamic data processing

The strength of the Application lies in its openness and flexibility. The Solution is capable of taking the input data necessary for the rating and scoring process from any existing systems of the bank and also from external data sources, while the final output generated as a result of the rating or scoring workflow can be used by any connected application.


The Decision Engine contains parameterized data models, processes and rules so for a new product or a client sub-segment further questionnaire and scoring models can be created by the Bank’s experts. When it comes to modification of a logic or parameter board, it is possible to add new parameters, clone, inactivate/activate or archive the old one without vendor or IT intervention thanks to the easy-to-use system.

It has never been so easy to orchestrate, test, evaluate the scorecard’s rules with the help of decision tree that visualizes the whole decision process.

The system’s calculation/evaluation logic is highly formable and able to manage several logics at the same time based on the versioning function. For example, in a campaign for the same product different interest rates or conditions are applied.

4 Flexible scorecard definition

The Decision Engine is responsible for scorecards and for their maintenance. Questionnaires and scorecards can be flexibly and periodically adjusted to reflect regulatory requirements or credit policy changes. Within the process, the users are able to parameterize all rules in parallel.

Scorecards can be defined for different client segments, for different loan products and also for different purpose for example pre-scoring, client scoring. Already existing scorecards can be copied and modified into different versions.


The Decision engine serves both retail and non-retail segments. The risk conditions can be separated from each other, be associated with the given segment and work independently.

The Engine supports complex calculations for non-retail and retail segment using the advanced statistical and mathematical functions of the system. Logit transformation or PD calibration can be quickly implemented by the risk experts of the bank. The system also manages the different steps of the PD rating calculation (model PD, overruled PD, decided PD, etc.) and expected loss calculations.

ApPello Loan Origination is a process-based solution for collecting data and documents. It supports the stages of proposal, underwriting and contracting.
During the loan origination process the collateral data is handled by this module. The system allocates the collaterals on the loans with the help of the graphical modelling tool to calculate the coverage.
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