APPLY is a powerful, flexible and cost effective client server tool that accumulates, sorts and processes application data. It allows organisations to process applications on a variety of products and a broad range of channels, be they telephone applications, shop floor sales, internet and OCR/image files.

Whether you offer credit or debit cards, personal loans, mortgages or any other financial products, the table-driven parameters in APPLY give clients unparalleled flexibility in rule setting and decision making in assessment of applications. Its Graphical User Interface (GUI) provides speed of throughput, customisation of workflows and choice of screen layout to make the operators' job much quicker and easier.

Built-in fraud controls check for duplicate applications, whilst key data checks against existing customer databases, credit scoring, credit agency reports and address verification. Audit trails, reporting and letter generation capability makes APPLY a fully "end-to-end" application processing Solution. Through the use of APPLY, clients have the best tool available to ensure that their business is dealing with the right customers.

APPLY is a fully intergrated part of the range of BASE2000 system applications, although it is also available and employed by many clients as a stand-alone module, fully integrated with other in-house systems. Many utility companies around the world enjoy the unique benefits of APPLY, whilst in the UK it is a cornerstone of the business of a number of high volume clients, processing more than 1 million applications per annum.

Risk Management for New Accounts – StrategyWare

Thanks to the alliance with leading credit risk management specialist Fail Isaac, clients can further enhance the benefits of APPLY applications processing by incorporating StrategyWareb decision engine for account origination.

Whenever a new application is processed, StrategyWareb is "called" by APPLY, which automatically routes the application according to a pre-defined strategy set out by the client company. In effect, each and every new application for a product or service can be routed through a self-defined decision tree, ensuring that it has the right action applied to it according to the parameters set.

In this way, all account origination strategies – such as accept/decline, credit limit, loan amount, product and/or interest rate assignment, pre-approved respose offer – can be easily designed without programming support, making it highly flexible and cost effective to implement. With every strategy path containing up to 999 steps, the ability to set up highly sophisticated risk management models is virtually limitless.

The combination of APPLY and StrategyWareb ensures that every aspect of the application process is conducted in a highly efficient and cost effective, yet flexible way, with the ability to implement highly refined risk management techniques.

Contact us for more information on Card Services in EMEA.

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