70%faster turnaround
53%lower manual overhead
65%higher productivity
27.2%risk detection across 44,993 documents
The business challenge
A bureau report carries the facts, but interpretation and escalation still depend on a person checking multiple thresholds. Identical bureau data should lead to the same escalation decision.
The solution
CART converts bureau data into a structured risk view, applies the bank’s policy thresholds and routes each case automatically to the correct approval authority with a recorded rationale.
How it works
01
Consolidate bureau informationBring score, enquiries, accounts and exposure into one view.
02
Apply policy thresholdsEvaluate every parameter against approved risk rules.
03
Classify deviationsSeparate cases by severity and observed conditions.
04
Route automaticallySend the file and rationale to the correct authority.
Selected outcomes
Detection above 30% was sustained in multiple high-volume batches, repeating at volume rather than appearing once in a small sample.
What the institution gained
- Policy thresholds applied identically every time
- Automated severity classification and routing
- A recorded reason behind every escalation
The complete story is in the PDF
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