- Info
Advanced technology. World class interpretation tools. Flexible credit scoring model deployment. Consistently better lending decisions. With the Bureau Interpretation and Scoring Engine (BISE) from Cypress Software Systems, you get them all.
You also get the power of choice. Designed for use with BizMark, the .NET version of Mark IV or as a stand-alone integration solution, BISE is an automated decision engine. An enterprise-level solution, it seamlessly accesses and interprets information from the major credit bureaus and provides flexibility in your credit scoring strategies.
With its rich feature benefits, users can:
- Automatically retrieve credit bureau data
- Interpret credit bureau data into actionable information that can be used to implement credit policy rules and credit scorecards
- Present credit report print images
- Deploy proprietary or third party scorecards from Cypress partners to drive automated credit decisioning
The BISE automated decisioning engine can easily be integrated into both new and legacy workflow systems. It:
- Automates and simplifies complex decision-making processes for larger financial institutions
- Serves as a proactive management decision-support tool, not just an automated credit and information retrieval option
- Brings added reliability and quality control while helping to shorten the loan application process.
Because the BISE decision engine is a Web service, your up-front integration investment is lower than you might expect. Talk to Cypress about accelerating your ROI through efficient credit risk management.
Details:
Bureau Interpretation & Scoring Engine. BISE is a .NET framework-based Web service that serves as the brains or decision engine that powers current and next generation Cypress solutions, including BizMark, Mark IV.NET and AppMark.NET. Through an XML-based API, BISE can also be used within your proprietary credit origination work flow solution. Let us do the heavy lifting for you.
Consumer credit bureau acquisition, segmentation and interpretation. The three major consumer repositories are supported. Aside from returning a print image for presentation and the complete machine-readable response, BISE uses Cypress’ powerful bureau interpretation analytics to instantly dissect and compile hundreds of credit characteristics that can be used in the deployment of your lending policy rules and scorecards.
Supported Repositories: TransUnion, Experian, Equifax
Business report acquisition, segmentation and interpretation. To accelerate profitable commercial credit analysis, BISE can be directed to acquire, interpret and present dozens of business bureau characteristics for deployment of your commercial lending policies, including small business scoring models. Print images are, of course, supported; however, BISE can also enable you to present trade-line credit history details from Equifax Small Business Enterprise (SBE) in an easy to read format when used with BizMark.
Supported Repositories: Experian Business (including Intelliscore), Equifax Business (including credit history from SBE)
Flexibility in scorecard deployment. BISE provides choices. Your custom or expert models can be deployed through an intuitive users interface. Cypress is also partnered with and resells models provided by Asch Advisory Services, Scoring Solutions, Inc and Fair Isaac.
Population Control. When used with Cypress delivery solutions such as BizMark, model determination is controlled based on an integrated decision tree that supports population attributes that you deploy through an intuitive users interface.
Fair Isaac LiquidCredit gateway. Need access to Fair Isaac’s world class Small Business Scoring Suite (SBSS 6.0) models? No problem. BISE can be configured to access SBSS based on your preferences.
Supported Consumer Repositories: TransUnion, Experian, Equifax
Supported Business Repositories: Dun & Bradstreet and Experian Business
Coming in Q1 2009, BISE will also begin supporting ARM 3.0 models for consumer decision support.
