We saw a need in the consumer lending space for a custom real-time decision engine - a true decision engine that lives in the cloud, requires zero coding, and integrates with multiple portfolios and integration partners. So we built it.
iQDE comes with integrations of not only primary and alternative credit bureau integrations from unlimited lead sources, channels and segments, but a vast array of data providers whose information is critical to the lending process. Right out of the box, iQDE can rapidly and responsibly build strong lending portfolios for years to come.
Our team spent thousands of development hours making iQDE the most cutting-edge decision engine on the market. It's robust, flexible and can support nearly any lending portfolio, no matter the industry.
Our previous decision engine was difficult to maintain without developer skills. As we looked for other vendors, we found their offerings were too complex. With multiple lending portfolios, we needed lending technology that could be maintained without technical skills other than occasional IT help.
Our risk team wanted a visual representation of policies, but we didn’t have the resources.
The journal provides all decisioning data in one place, including third-party data, actual policy rules and actual data used.
We had no way to audit individual decisions without pulling data from multiple sources.
Tree view gives the ability to see what policies look like for easy comparison and adjustment on demand.
We had to use multiple databases to pull data together to determine risk.
Journal record has all the information the data team needs in one place.
Deploying a new policy change meant we had to shut down our decision engine.
Each policy can be imported and published without the need to shut down any engines.
Even small changes required IT resources.
The journal provides all decisioning data in one place, including third-party data, actual policy rules and actual data used.