SmartSuite Credit Lifecycle Software

Our credit lifecycle software products reduce risk and improve profitability by streamlining processes, increasing efficiency, and automating data-driven decision making.

Principa’s Smartsuite Credit Risk Management software products provide process automation and decision management support across the Account Origination, Account Management and Collections & Recovery phases of the Credit Lifecycle.

Loan Origination
AppSmart is an application processing system that automates the originations and credit-risk evaluation of individual consumer applications.
Credit Bureau Data Hub
BureauSmart is a credit bureau data hub created to help you get the most out of credit bureau data at a lower cost. Optimise the use of bureau data, integrate previously acquired bureau data, and acquire bureau data online in real-time.
Business Rules Management System
DecisionSmart enables business analysts or credit risk consultants to capture all types of additive scorecards using a graphical user interface (GUI) and calculates scores based on the user-defined scorecards in real-time or in batch.
Debt Collection Software
CollectSmart is a powerful, modular, enterprise-wide debt collection management system that combines business controlled segmentation with the allocation of appropriate and differentiated actions to individual customer profiles - all accessed via an easy-to-use interface.


The State of the South African Collections & Recovery Landscape