Products & Services: Capstone® Decision Manager

Capstone® Decision Manager is a comprehensive solution for making individualized decisions at very high volumes and speeds while capturing all data involved in the decisioning process. 

Automate your decision process from beginning to end
 
Capstone Decision Manager automates complex decisioning. It is used for more than 35% of US credit card applications and 25% of UK mortgage underwriting, and globally for consumer lending, auto loan originations, credit cards, small business lending, mortgage and insurance underwriting, and claims processing. Whatever your required sequence of decision steps and inputs, Capstone can bring them together into a fast, efficient, consistent, documented process that can be used across the enterprise.

The software-based solution provides the over-arching workflow, database management and audit tracking capabilities to simultaneously orchestrate any number of unique decisioning processes for products, marketing campaigns, lines of business or government programs. Use it both to generate fully automated decisions — real-time Web-based credit card originations for example — or to provide data-guided assistance to expert decision-makers, such as credit analysts and underwriters.
 
How and why it works

Capstone Decision Manager gives you powerful built-in automation (rules engine, workflow management, application queuing, database management, audit tracking, etc.) along with the flexibility to incorporate virtually any decision component into your process. Inputs can include custom or prepackaged credit and fraud scores as well as other models, decision trees, rules, and internal and external databases. Decisioning processes can incorporate Fair Isaac applications and data (TRIAD™, Blaze Advisor, etc.), third-party applications and services, or other sources. Capstone calls or executes each component as needed at the proper moment. The outcome is a decision, along with valuable data fed back to your data warehouse for analysis, marketing and other initiatives.

Choose the version of Capstone that meets your needs:

• Capstone Decision Manager streamlines and automates decisioning in financial services, insurance and government. The software-based solution is fully customized to your unique decisioning requirements. Without having to wait for assistance from IT, your business experts can determine the steps in the process, the data input, predictive analytics and decisioning logic executed within each step, and the conditions controlling routing. They can add new data sources, models and channels as needed.
  
• Capstone for Consumer Credit provides pre-configured solutions for processing unsecured consumer loans and credit cards — incorporating a customizable decision workflow and an extensive library of policy rules for financial application processes. This low-cost alternative solution utilizes the same advanced decisioning technology available to custom Capstone implementations, and includes a pre-built data model, GUI screens and reports for quicker deployment.
  
• Capstone Decision Manager for Claims provides you with a risk-free way to achieve sustainable improvements in workers' compensation claims processing -- without replacing legacy systems.

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