ScoreSmart is a scoring software solution which receives data to render a quantitative evaluation (the ‘score’). ScoreSmart calculates scores based on the user-defined scorecards in real-time or in batch mode. ScoreSmart allows a business analyst or credit risk consultant to capture all types of additive scorecards using a graphical user interface (GUI). ScoreSmart covers all industries where scoring is required such as Credit Risk Management, Insurance

The main functional areas of this scoring software solution are:

• The ScoreSmart administration component is used to define and configure all elements required for the scorecard to function.

• This component enables you to set standard and derived characteristics andmanage the properties and scorecard ranges for each scorecard.

Batch scoring

• This is a server component that calculates scores in batch mode by importing files received from the host system. Typically the batch scoring would be used for behavior scorecards.

• The Batch scoring module can be scheduled to run automatically during overnight batch processing.

Real Time Scoring Service

• Application processing systems often require an application score to be calculated in real time. ScoreSmart has a web-service interface that invokes the scoring engine on demand.

The main features of this product include:

• Industry best practice software design principles.

• Modular, object-oriented design to efficiently cater to business requirements.

• Highly configurable to enable ease of use and change management.

• Optimised tohandle large volumes of data as well as concurrent scoring requests.

• Designed for industry standard hardware platforms such as Intel-based Microsoft® Windows® Servers.

• Microsoft® .Net development tools allow simple and efficient software development which facilitates rapid future enhancements.

It is LAN and WAN supported, and can run on any TCP/IP network.