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Case Study
Optimization, Validation and Calibration of Credit Scoring and Rating Models as ASP
Large Swiss organization dedicated to provide ASP services to a large number of financial institutions in Switzerland uses PRO-CR for Development and Management of Credit Rating and Scoring Models. Models are developed and provided to 15 medium and small Swiss banks under an Application Service Provider (ASP) agreement.
Having in mind the constrains and limitations which especially smaller banks face nowadays when they have to handle Credit Rating & Scoring models the ASP alternative seemed to be the only reliable, prudential and rational alternative for those 15 medium and small banks in Switzerland.
Whereas the ASP alternative is related with some understandable limitations on the intensity and flexibility of using PRO-CR it is of course at the same time related with the significant advantage of not being bound with software and hardware maintenance and support issues, not taking care about investment in people and infrastructure in order to be able to accordingly maintain an in house solution, etc.
Each of those 15 banks processes on average 3 to 5 Scoring and Rating Models. This is done outside the bank. End users in the Bank get ready made optimized, validated and calibrated models which can directly be applied in production.
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