Our Credit Proposal Management System (CPMS) allows you to efficiently manage your credit workflow and decision process. Credit scorecards and policy rules can be set up via the integrated decision engine and you could choose to automatically approve or decline credit applications without the need of manual intervention within defined parameters.

CPMS can be deployed as a fully integrated front-end solution with our POS system as well as a solution in its own right, being integrated with your other already existing IT solutions.


  • Credit Workflow
  • Credit Decision Engine
  • Credit Analysis
  • Credit Bureaus & External Sources
Credit Workflow

You can flexibly define the credit workflow to meet your particular requirements, e.g. who is allowed to see and make a credit decision on what type of application or when an external credit check should be conducted or updated.

Credit Decision Engine

You can define different scorecards & ratings as well as credit policy rules that should be applied to different types of applications. You could also retain your already existing credit decision engine should you choose to do so. Depending on your configuration you could also allow for automatic credit decisions to be made with flexible approval variation rules.

Credit Analysis

Credit analysis can be based on flexible and configurable ratio configurations, collateral evaluation and any data obtained through the application process as well as external sources like credit bureaus.

Credit Bureaus & External Sources

CPMS can connect with a wide variety of external data sources consuming data from e.g. credit bureaus, ID and fraud checks, payment profiles, black lists, etc.