ADEPT Decisions Partner Details Page
- Rapid and low-cost set-up with free and automatic updates and ultra-fast performance
- Highly flexible, enables the rapid roll-out of all digital lending and FinTech products
- User friendly web-based interfaces with video tutorials and free FLS support and training
- Test and Learn Easily run multiple A/B test strategies to continually test and learn
- What-if analysis enables low risk strategy design and deployment
- IT not required for strategy changes, placing the risk team in the driver’s seat
- Best use of telco data, alternative data and AI techniques to accurately manage risk
- Strategy consulting and training ensure that clients maximise their A/B test results
- Fully configured for each unique operating environment
- Software as a Service means a client only pays for what they use, no maintenance fees and a 99.99% uptime
- Transparent fees minimise currency risks for a client
- Minimal upfront and monthly fees enable accurate budgeting and a rapid ROI
Credit Scoring Service
Our Credit Scoring Service evolves to match your changing business requirements.The ChallengeThe historical approach to scorecard implementation was to hard code the scorecards within a Loan Origination System (LOS). This approach has a number of drawbacks:The SolutionThe Credit Scoring Service (CSS) is a managed service, where all APIs, scorecards, policy rules and strategy definitions are maintained within the system on behalf of clients.This minimises the effort required to implement scorecards, policy rules and scorecard cut-offs.We create a standard API layout which clients are able to call in order to enact scoring and decisioning. This data layout contains all of the variables that CSS requires in order to apply policy rules, calculate the application score, and to make an Accept/Decline/Refer risk decision.CSS manages the disposition of applications and generates reports to provide insights and analytics for clients’ portfolios. Lenders benefit from the multiple features of CSS, as the system enables a rapid integration to grow over time with more sophisticated configurations.CSS is designed to assist you in achieving your short and long term goals across all of your consumer and SME loans portfolios. With our solution, lenders are well positioned to offer an unparalleled customer experience at a lower processing cost. CSS provides clients with superior functionality and a rapid go-to-market for any new products.Our solution has a roadmap for product evolution as your business needs evolve and your application volumes increase.
Why do you need a dedicated Decision Engine?Determining appropriate lending amounts and loan terms across the applicant base is the core principle of any credit granting organisation. For modern lenders, this assessment needs to be scientific, constantly evolving, and under the control of the business.The success of the FinTech business rests in the ability to identify appropriate customers and provide them with the products and services that they need.A Decision Engine enables business users to implement and manage all aspects of the lenders credit strategy. A Decision Engine comes equipped with a large variety of tools which enable users to drive the core competencies of the FinTech business.Using a variety of advanced scorecard types, complex mathematical calculations to determine disposable income and affordability, and simultaneous deployment of multiple competing strategies, a modern decision engine is crucial to the success of any credit granting organisation.
Who we are
We disrupt the status quo in the lending industry by providing FinTechs with decisioning software and analytics to level the playing field, promote financial inclusion and support a new generation of financial products.
Why we are different
Our experts provide a FinTech toolkit which includes software and analytical solutions to automate and simplify your lending process. Our flexible toolkit philosophy is accessible by all lenders and supports all lending products through a mature cloud SaaS offering with no code rapid integrations.
What we do
We provide a feature rich, robust and flexible SaaS lending toolkit to FinTech companies. Read more about our software which provides our clients with affordable decisioning solutions.
How Can You Get Started
Connect with ADEPT Decisions Marketplace
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Joint Go-To-Market opportunities
"ADEPT Decisions was chosen as the replacement decisioning environment for all consumer mobile contract applications for a leading South African mobile operator, replacing legacy systems that had been deemed inflexible and no longer fit for purpose. As part of the integration project, ADEPT Decisions migrated 20 years of accumulated decisioning from the old code-based system into our no-code configurable environment, adding flexibility and A/B Testing capabilities to each component. ADEPT Decisions is now governing all decisioning for new customers as well as for upgrades and contract additions for existing customers. Since going live, the client’s credit risk team has been able to implement new scorecards, launch new products, and test and configure new and more profitable strategies within shortened timeframes and with no intervention required from the internal IT team."
South African Telco
"This retailer approached us as they were looking for a single decisioning environment that would cover the entire credit life cycle for all their credit products. Growth had been limited in the credit portfolio due to the legacy systems inability to support A/B testing and what-if analysis. Previously, all strategic changes had to be applied across the entire portfolio, making it impossible to quantify their impact. A further challenge facing this client was that they operated two distinct businesses under one umbrella – a household retail business and a personal finance business. The businesses operated on entirely independent technology stacks and used completely different application channels and decisioning processes. ADEPT Decisions configured decisioning solutions for both business units, catering to the nuances of each operation. Both were provided with tools to analyse strategy performance and out of the box A/B testing capability. These tools have enabled the business to leap forward in their credit assessment and management capabilities, with multiple strategy revisions being considered and evaluated at a time."
Pan African Retailer
"This telco required a robust and cloud-based decision engine for managing mobile wallet credit applications across 16 countries. Each of these countries operate as an independent business, thus independent strategy and scorecard configurations were needed for each operating company. To provide maximum flexibility, we configured the solution in such a way that the application request is routed into ADEPT Decisions from the customer’s mobile device with minimal information attached. ADEPT Decisions integrates with the customer information repository for that operating company to retrieve decisioning information for the customer. By creating each company as an independent subscriber to the system, strategies and scorecards are separated, enabling authorised users to log into specific configurations that they control. By keeping the template for each of the subscribers aligned, our client can rapidly roll-out decisioning to new countries. This enables operating companies to be launched rapidly as subscribers in the system with template structures and strategies copied from existing subscribers. The ADEPT Decisions solution is highly scalable and is currently processing over 20,000 applications a day from one of the first companies, while newer companies gradually ramp up their application volumes."
Pan African Telco
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Term and Termination
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Governing Law and Jurisdiction
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These terms and conditions form a legally binding agreement between You and TCS and are the entire agreement between You and TCS regarding access and use of the Site and the Services and supersede any prior or contemporaneous, conflicting or additional understandings or agreements or communications (written or oral). Failure to exercise or delay in exercising any right or remedy under these Terms or law by TCS will not constitute a waiver of rights or remedy nor shall it prevent exercising that right or remedy in whole or in part in future. If any provision of this Agreement is found by a proper authority to be unenforceable or invalid, such unenforceability or invalidity shall not affect the other provisions of this Agreement and the unenforceable or invalid provision shall be construed to be amended in order to avoid such unenforceability or invalidity while preserving as closely as possible the intent of the parties. This Agreement shall not be construed as a teaming agreement, joint venture, partnership or other business relationship. This Agreement may be assigned by TCS without restriction or notification to You.
Your privacy is important to us. We believe it is important for you to know what personal data we, Tata Consultancy Services (“TCS” or “we”), collect from you (and third parties), why we collect it, how we use it and what rights you might be entitled to as a data subject or consumer.
Please note: all information in this privacy notice is applicable to you unless otherwise indicated based on your residency status. For the additional terms which may be applicable to you based on your residency status, please refer to your country-specific terms at the end of this notice.In this notice, term “personal data” is used to represent any information relating to an identified or identifiable person; country-specific notices might adopt a different terminology.
We encourage you to read this notice, together with any additional and more specific information we may provide to you on various occasions when we are collecting or processing personal data on TCS websites, products or applications, events and initiatives so that you are aware of how and the purpose for which we are processing your personal data.(Please note: We issue a different privacy statement which applies where there is an employment relationship between TCS and its employees.)
How we will use your personal information
We may collect different kinds of personal information in a number of different ways and use it for a number of different purposes:
To ensure access to our website and online services.
In general, you can visit TCS on the World Wide Web without telling us who you are. Our web servers or Affiliates who provide analytics and performance enhancement services may collect:
- IP addresses,
- operating system details,
- browsing details,
- device and connectivity details, and/or
- language settings.
This information is aggregated to measure the number of visits, average time spent on the site, pages viewed and similar information. TCS uses this information to measure the site usage, improve content and to ensure safety and security as well as enhance performance and user experience of the website. In few situations, you are required to register to access a reserved area of the website: in these cases, we will also collect your username and the password.
We may also obtain data from third parties including:
- Social networks, when you grant permission to us to access your data on one or more networks through our website.
- Service providers that help us determine a location based on your IP address in order to customize offerings and content to your location.
- Partners with whom we offer co-branded services or engage in joint marketing activities.
To answer your queries, support and contact requests.
If you contact us with queries, requests for more information about initiatives or products or other generic support inquiries, we will need to collect information about you such as:
- personal and contact details, like full name, company and role, email address,
- demographic data,
- qualifications and profession, and/or
- the content of your messages to us.
For information about managing your contact data, email subscriptions and promotional communications, please use the contact us form on the tcs.com or affiliate websites where you had given your Personal data.
Subscriptions to our promotional communications.
If you sign up to receive promotional communications from TCS, we may send these by email, SMS/text messages, post, telephone or any other means of communication. For information about managing your contact data, you may reach out to the contact details provided in the event privacy notice, or you may use the contact us form on the tcs.com or affiliate websites where you had given your Personal data.
To administer events and activities.
TCS frequently organizes events and initiatives, either free to join or by invitation only; in these cases, this privacy statement applies to both participants and speakers, together with any other supplementary information that is provided in relation with each event. To allow participants to join the events (including communications pre and post event), we are required to collect and process a limited amount of information, such as:
- full name,
- company, job title and business email address,
- telephone number,
- location, and/or
- pictures and video of you.
Where a hospitality service is provided, we may also collect, store and process “special categories” of more sensitive personal data(SPI), such as information regarding any dietary requirements or personal disabilities. This will be done only and to the extent permitted by the law. Events might be recorded hence pictures and video of you may be collected too; in such case, you will be informed via a specific notice at the location of recording. This material can be used later by TCS for further compatible purposes in accordance with the notices you receive. Also, during the course of the events, we may collect from you data about yourself, which we later may use to contact you again in order to receive feedback and/or provide further commercial information about TCS; this may be done with your consent, wherever necessary.
We may also obtain data from third parties including third party event organizers where the event is sponsored by TCS. Organizers might provide the attendee list. In such cases, the privacy statement of those third parties to whom you provide your personal data will apply to you.
To promote the TCS brand, products, initiatives and values with marketing communications.
TCS has a strong legitimate interest in promoting its brand, products, initiatives and values. We may send you marketing communications through different channels, such as email, texts, phone calls or regular mail; to do so, we might use your contact details which were previously collected in the context of an event, a query sent by you or through the navigation on our websites. We may also obtain your personal information from third parties, such as business partners, data brokers, social networks, publicly available sources and marketing companies. In such cases, we will also comply with any additional restrictions imposed by the region in which your data was collected as well as the source of the data. If required by applicable legislation, we will ask for your consent separately before sending any marketing communications. You can opt-out of receiving such communications at any time using the contact us form on the tcs.com or affiliate websites where you had given your Personal, writing to our Data Protection Officers or Chief Privacy Officer (see section below) or by any other given method provided from time to time (for example: unsubscribe link included at the bottom of emails).
From time to time, we may use your name, quotes, pictures or videos to promote and amplify TCS’ brand and activities. In any such case, you will receive appropriate additional information about the usage of your personal data.
To manage, administer and fulfill the obligations under contracts, and regulations
Where TCS is in a contractual relationship with you (other than an employment relationship), your employer, your company or is taking steps to enter into such a contractual relationship, we may need to process your personal information, usually limited to name, business contact details and job title in order to enter into and/or fulfill the obligations arising from the same contract, such as providing you or your employer or company with the services you have requested or make use of the services that you or your employer or company are offering to us. We will also process such personal data for ancillary tasks related to our daily business activities, such as accounting, auditing, reporting (to regulators and authorities) and to comply with applicable regulations.
If you do not provide certain information when requested, it may delay or prevent us from administering a service you have requested from us, or in replying to your queries and/or in letting you join our initiatives.
We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason that is compatible with the original purpose and applicable law. If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.
Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
How we will share your personal information
We may share your data with third parties, including third-party service providers and other entities in the TCS Group. Please note, TCS has not in the past, nor does it currently, under any circumstances sell your personal data from or to any third party. Further, TCS does not use your personal data for any other purpose (as outlined below) unless required to fulfill a legal obligation or a legitimate business purpose where permitted by law.
Why might you share my personal data with third parties?
We may share your personal data with third parties where required by law, where it is necessary for one of the activities mentioned above or where we have another legitimate legal basis in doing so. We require third parties to respect the security of your data and to treat it in accordance with the law. Where required by the law, we will request your consent before transferring data to third parties which are not part of the TCS Group.
Which third-party service providers process my personal data?
”Third parties” includes third-party service providers (including contractors and designated agents) and other entities within our group. The following activities may be carried out by third-party service providers: hosting and other internet services, data storage and analytics, marketing research and campaign management, event organizers and caterers. All our third-party service providers are required to take appropriate security measures to protect your personal data in line with our policies. We do not allow our third-party service providers to use your personal data for their own purposes. We only permit them to process your personal data for specified purposes and in accordance with our instructions and applicable law. We may also need to share your personal data with regulators or to otherwise comply with the law.
When might you share my personal data with other entities in the group?
We may share your personal data with other entities in the TCS Group as part of our regular reporting activities on company performance, in the context of a business reorganization or group restructuring exercise, for system maintenance support and hosting of data and when it is required to do so in order to perform one of the activities listed above (see "How we will use information about you"). Other entities in the TCS Group are required to take appropriate security measures to protect your personal data in line with our policies.
Transferring your personal data outside of your country of residence
We may transfer the personal data we collect about you to one of more countries of your country of residence or outside of the country in which you access this website, including India, in order to perform one of the activities listed above (see "How we will use information about you"). – In such cases, we have put in place the appropriate measures to ensure that your personal data will be secure according to the laws of the country in which you reside. If you require further information about these protective measures, you can request it from our Data Protection Officers (see contacts below) or send an email to email@example.com.
How we will keep your information safe
We have put in place appropriate technical, organizational and security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected data security breach and will notify you and any applicable regulator of a suspected breach where we are legally required to do so.
How long we will keep your information
We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. Details of retention periods for different aspects of your personal data are available in our retention policy upon request from our Data Protection Officers (see contact details below). To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.
In some circumstances we may anonymize your personal data so that it can no longer be associated with you, in which case we may use such information without further notice to you.
How to contact us
If you have a have a privacy concern, a complaint or a question regarding this privacy statement, please direct it to the Chief Privacy Officer of Tata Consultancy Services at firstname.lastname@example.org or contact us through the "Contact us" form on tcs.com or affiliate websites where you had given your Personal data indicating your concern in detail.
For the purposes of the data processed under this statement, the controller or business/service provider for the data processing of your personal data collected through our websites is Tata Consultancy Services Limited, TCS House, 2nd Floor, Raveline Street, Fort Mumbai 400 001, India. For all the other purposes indicated above, the controller or business/service provider is the same entity unless indicated otherwise in other privacy statement communicated in each situation.
Right to withdraw consent
In the limited circumstances and based on your country of residence; where you may have provided your consent to the collection, processing and transfer of your personal data for a specific purpose, you may have the right to withdraw your consent for that specific processing at any time. To withdraw your consent, please contact our Data Protection Officers (see contacts below). Once we have received notification that you have withdrawn your consent, we will no longer process your information for the purpose or purposes you originally agreed to, unless we have another legal basis for doing so.
Please find below the list of region wise Data Protection Officers
We have appointed Data Protection Officers (DPOs) to oversee compliance of TCS with applicable data protection laws and with this privacy notice. If you have any questions about this privacy notice or how we handle your personal data, please contact the DPO in your region:
|Data Protection Officer for UK and Ireland||Data Protection Officer for Canada||Data Protection Officer for Continental Europe||Data Protection Officer for the United States||Data Protection officer for Brazil||Data Protection Officer for LATAM||Data Protection Officer for APAC||Data Protection officer for South Africa|
Please refer to region specific privacy regulations below:
- EU/EIA: Click here
- US: Click here
- Canada: Click here
- Brazil: Click here for EnglishClick here for Portuguese
- Australia: Click here
- New Zealand: Click here
- APAC: Click here
- Argentina: Click here for EnglishClick here for Spanish
- Chile: Click here for EnglishClick here for Spanish
- Colombia: Click here for EnglishClick here for Spanish
- Ecuador: Click here for EnglishClick here for Spanish
- Mexico: Click here for EnglishClick here for Spanish
- Peru: Click here for EnglishClick here for Spanish
- Uruguay: Click here for EnglishClick here for Spanish
- Malaysia: Click here for Malay
- South Africa: Click here
- China: Click here for EnglishClick here for Mandarin
Changes to this privacy statement
We reserve the right to update this privacy notice at any time, and we will provide you with a new privacy notice when we make any substantial updates. We may also notify you in other ways from time to time about the processing of your personal data.