![2388-asdfvfdcv.png](https://static.ucraft.net/fs/ucraft/userFiles/dms-stage/images/2388-asdfvfdcv.png?v=1651353050)
DMS Solution for
BANKING
![536-r3-home-page-1-16483624419564.png](https://static.ucraft.net/fs/ucraft/userFiles/dms-stage/images/536-r3-home-page-1-16483624419564.png?v=1651352875)
DMS - Decision Making Software solves the problem of credit scoring calculation for banks and credit organizations.
![2405-group-1065-16500183001828.png](https://static.ucraft.net/fs/ucraft/userFiles/dms-stage/images/2405-group-1065-16500183001828.png?v=1651352875)
.1
Integrate DMS to Core banking
Platform
.2
Setup the business logic in DMS
.3
Launch automated credit decisioning
![2419-fdsdf.png](https://static.ucraft.net/fs/ucraft/userFiles/dms-stage/images/2419-fdsdf.png?v=1651354595)
.How It Works
Let’s say, Tom, Lisa, and Jack applied for a credit line.
![00113210382445-rectangle-3.png](https://static.ucraft.net/fs/ucraft/userFiles/dms-stage/images/00113210382445-rectangle-3.png?v=1651352876)
![2446-group-1001.png](https://static.ucraft.net/fs/ucraft/userFiles/dms-stage/images/2446-group-1001.png?v=1651352876)
Tom
22 years old
Software Developer
high revenue
good credit record
![2451-rectangle-3.png](https://static.ucraft.net/fs/ucraft/userFiles/dms-stage/images/2451-rectangle-3.png?v=1651352876)
![2452-vfc.png](https://static.ucraft.net/fs/ucraft/userFiles/dms-stage/images/2452-vfc.png?v=1651352876)
Lisa
40 years old
Art teacher
high revenue
bad credit report
![2457-rectangle-3.png](https://static.ucraft.net/fs/ucraft/userFiles/dms-stage/images/2457-rectangle-3.png?v=1651352876)
![2458-ds.png](https://static.ucraft.net/fs/ucraft/userFiles/dms-stage/images/2458-ds.png?v=1651352876)
Jack
60 years old
Retired
low revenue
good credit report
1. API call with Applications
core Banking platform sends 3 applications via API requests with customer data to DMS
![2553-fdfdfdf-16513548808207.png](https://static.ucraft.net/fs/ucraft/userFiles/dms-stage/images/2553-fdfdfdf-16513548808207.png?v=1651354881)
2. Decision Tree
All the applications enter the decision tree for the credit limit calculation
![2561-group-34508-16511767124805.png](https://static.ucraft.net/fs/ucraft/userFiles/dms-stage/images/2561-group-34508-16511767124805.png?v=1651352878)
3. Segmentation
Client segamentation by multiple factors
![2569-sdvdvx.png](https://static.ucraft.net/fs/ucraft/userFiles/dms-stage/images/2569-sdvdvx.png?v=1651352878)
4. Analysis
Application analysis specific for each segment to identify the risk level
![2577-fdfdfd.png](https://static.ucraft.net/fs/ucraft/userFiles/dms-stage/images/2577-fdfdfd.png?v=1651352878)
5. Calculation
mathematical calculations based on the segmentation and analysis results
![00105810602584-vdcvvcvc.png](https://static.ucraft.net/fs/ucraft/userFiles/dms-stage/images/00105810602584-vdcvvcvc.png?v=1651352878)
6. Decision
DMS reponds to core Banking platform with 3 decisions and credit limit for each
![2592-dcdc-16513550388236.png](https://static.ucraft.net/fs/ucraft/userFiles/dms-stage/images/2592-dcdc-16513550388236.png?v=1651355039)