Make Better Business Decisions Across
Your Entire Customer Life Cycle

A decision-management platform powered by
real-time analytics and advanced decisioning logic

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Experian® offers a breadth of decisioning tools and products designed to increase the precision, speed and agility of your decision-management processes, so you can respond rapidly and cost-effectively to market changes.

Gain the flexibility and insight needed to make the right customer decisions. Determine the appropriate credit-approval decision. Present the ideal cross-sell offer. Identify fraudulent activity. These and countless other critical business decisions can be automated and optimized for maximum business performance using Experian’s decisioning software.

Put More Data To Work

  • Pull data from multiple sources — both internal and external — into your decisioning model
  • Access an unlimited number of scores and attributes, including real-time access to credit bureau data
  • Integrate third-party data sources into your decisioning engine

Greater Decisioning Power

  • A best-in-class decision engine capable of calculating numerous predictive attributes and custom scoring models
  • Test new strategies against current decision models or perform what-if simulations on historical data
  • Numerous applications: launch new products, increase customer retention, generate cross-sell offers and much more

Improved Market Agility

  • Deploy new decision strategies faster, so you can respond to market changes in a timely manner
  • Deliver real-time, instant decisions while a customer is at the point of sale
  • Quickly adjust your decisioning strategies to respond to regulatory changes


What Type of Business Decisions Can Be Improved?

Experian’s decisioning systems have applications across a broad cross section of industries and business processes. These include:

Types of Decisions


Lines of Business

Other Applications

  • Prospecting decisions
  • Prescreen
  • Acquisition and underwriting decisions
  • Fraud determination
  • Customer management decisions
  • Credit line management decisions
  • Initial pricing determination
  • Collection management decisions
  • Banks, credit unions and other financial institutions
  • Finance and credit companies
  • Retailers
  • Telecom, energy and utilities
  • Healthcare providers
  • Government agencies
  • Collections agencies
  • Processors and resellers
  • Student loans
  • Deposits
  • Personal/Unsecured
  • Credit card/Debit card
  • Vehicle finance
  • Home equity
  • Mortgage
  • Commercial

Business Improvement Opportunities Guide

View an extended matrix of decision types, industries and applications.


Easier Implementation

Flexible Deployment

  • A variety of deployment options, including on-premise, hosted and Software as a Service, are available based on your business needs
  • Deploy as a standalone system or integrate seamlessly into your systems and business processes
  • Scalable and customizable, so you pay for only the functionality you need

Implementation Support

  • We partner with you to ensure the correct decisioning solution is chosen, customized and installed
  • From start to finish, a dedicated team of our decision management consultants works with you to perform strategy design, model validation and data intelligence, ensuring a successful system implementation

Simple and Reliable

  • Put decisioning power into the hands of business users, giving them the power to manage decision strategies without IT involvement
  • Process a high volume of transactions, with support and availability 24 hours a day
  • Augment and improve your existing systems with minimal IT costs

The Power of Dynamic Decisioning Strategies

Dynamic, continuous-loop decision management systems offer significant advantages over static, rigid business rules that change only periodically. As highlighted in the video below, Experian’s PowerCurve® decisioning platform offers the agility to continually adjust business rules, thereby delivering a truly dynamic decision management system.
Learn More

Download “Enhance Your Decision-Making Capabilities”, a whitepaper that details:

  • How to identify opportunities for business improvement through decisioning
  • How to prioritize decisioning opportunities, based on potential business value
  • The components of an optimized decision-making system
decisioning guide
Decisioning Download Button

Contact Us

Learn how Experian's decision management systems can automate and optimize your critical customer decisions. Contact us today to speak to a decisioning product specialist.

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