ARGOS Credit Assessment Tool

ARGOS CAT provides financial institutions with an accurate and low-cost credit decision tool through state-of-the-art and

transparent credit scoring methodology. 

ARGOS CAT engine is based on statistical data analysis, which fully exploits implicit info in our client's historical credit

database.

ARGOS CAT works as follows:

  • ARGOS CAT builds up a predictive default model unique for each financial institution

  • The expected probability of default is based on implicit linkages in the historical credit data of our clients

  • ARGOS CAT will provide an Accept or Reject recommendation with specific level of confidence on expected loan defaults

  • The ARGOS CAT model will become increasingly accurate with the addition of each new credit application

 

Argos CAT information document

 

 

 

Why ARGOS CAT?


ARGOS CAT offers credit institutions the following advantages:

 Innovative

  • Flexible and adapted to each financial institution.

  • Based on statistical analysis, using proven data mining technology of the financial institution’s own credit and client data.

  • Can be accessed remotely, online and offline, via PC and mobile devices.

User Friendly

  • Provides easy to use Graphical User Interface.

  • Compatible with a wide range of core banking systems and applications, supporting various protocols.

  • Option to host either at client location or decentrally at Argos Finance.

Effective

  • Proven ability to reduce the number of non-performing loans by up to 90% within the first year.

  • Development of a database of consistent and accurate credit and client data.

  • Detailed MIS reporting.

Economical

  • Using an ‘Open Source’ IT platform, ARGOS provides an ultra-low-cost offering, making it available also to thesmallest financial institutions with modest IT budgets.

  • Cost effective solutions with a low upfront investment and a flexible ‘pay per use’ pricing model.

Speedy Implementation

  • ARGOS CAT can be implemented in less than 10 weeks of implementation, including testing and training.

  • Little or no disruption of day-to-day processes and operations.

 

 Watch a short introduction on ARGOS CAT:

Click here