African Bank

African Bank modernizes its credit lifecycle decision system.

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Customer Profile

Overhauling and centralizing decisions

African Bank, a large retail bank in South Africa, went through large-scale restructuring aimed at overhauling the way it made decisions. In 2016, the new African Bank opened its doors with a new mission dedicated to complete and to applying innovative techniques to operate with efficiency and cost-effective practices that benefit both the customer and the business.

This project shows the power of centralized decisions across the enterprise. New analytics and decision management technology mean companies of any kind, anywhere, can see improvements in decision quality, consistency and cost, while satisfying regulations that call for better corporate governance.


Develop and implement 30% faster


Reduce expected cost by 25%

3 months

Overcome regulatory challenges in 3 months

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The hub for all decisions

African Bank decided to use FICO® Blaze Advisor® decision rules management system as the hub for all decision-making. After a short implementation period, African Bank is using Blaze Advisor for decision services in four major modules, with 11 bespoke environments within those modules. The bank is able to manage all of this with a single interface and has full lifecycle controls over the entire system.

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African Bank Centralizes Decisions Across the Customer Lifecycle

African Bank needed to transform its credit decisioning processes across the board and African Bank’s Vere Millican describes how a decision-first approach, powered by FICO® Blaze Advisor®, helped the bank centralize customer lifecycle decisions, operationalize data and analytic investments, and turn losses into significant profits.
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FICO really mentored us through this overhaul of our decision system. With their strong partnership and commitment to this project, we were able to develop and implement our new decision strategies with 30% time savings and at 25% cost savings.

Dawid VanZyl
African Bank
Enabling Technologies

Leveraging business rules

In a decision management system, decisions are represented by business rules, also called decision logic. To make a decision, the conditions of business rules are evaluated and according actions are taken based on pre-defined expressions.

Business Rules

The fuel for the automated digital decisioning engine.
Learn more
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