CGI Credit Studio for decisioning

Higher approval rates

Confidently approve more qualified applicants with instant,
data-driven decisions.

Reduced fraud and credit loss

Strengthen risk management with consistent policies, advanced rules
and integrated data checks.

Lower operational costs

Cut manual reviews and IT dependency through
automation and business-user control.

Faster go-to-market

Bring new products and pricing strategies to market
quickly with flexible, configurable workflows.

Define and manage credit rules without IT involvement

• Intuitive, browser-based user interface for rule configuration
• No-code support for matrices, thresholds and conditional logic

Integrate external and internal data into the decisioning process

 

• Extensive third-party integrations for credit bureaus, alternative data providers, fraud and compliance (KYC, OFAC, FinCEN), and customer authentication (OTP, KBA), all supported by a robust architecture for rapid vendor onboarding
• Pre-built connectors for internal enterprise systems (e.g., CRM, core platforms)
• Built-in data ingestion layer to unify internal and external sources, while supporting decisioning with only the data inputs required by each strategy

Segment customers and apply risk-based decisions

• Rule-based strategies using decision trees, matrices and scorecards
• Allows seamless integration of existing ML models for AI-driven decisions
• Customer segmentation and strategy branching
• Configurable logic for eligibility, pricing and risk classification

Deploy standalone or integrated within enterprise systems

• Available as part of CGI Credit Studio or as a modular component
• Cloud-native, event-driven architecture
• API-based integration framework
• Enables real-time data processing and execution wit continuous SaaS updates

Test and refine decision strategies before deployment

• Simulation module to model strategy effects
• Built-in test-and-learn capability Rapid Strategy Evolution for decision strategy optimization
• Test Designer tool for validating rule changes with test cases directly in the user interface
• Side-by-side comparison of alternate rule sets

Execute complex decision strategies and workflows

• Supports Decision Model and Notation (DMN) and Business Process Model and Notation (BPMN)
• Integrates with CGI’s enterprise-grade workflow engine
• Supports case management and exception handling
• Configurable workflows for agent intervention 
• Rule-based routing for manual reviews, secondary bureau pulls or alternate paths