Part 5/13:
Similarly, during card application processes—whether online or offline—complex real-time assessments are performed by integrated systems that evaluate the applicant’s credit history, delinquent behavior, and external credit bureau data. These decisions significantly impact individual lives, underscoring the importance of precision and reliability in risk management.
The Data Ecosystem: A Massive Infrastructure
Supporting these advanced decision-making processes is an extensive and intricate data infrastructure:
- Data Landscape: Over 1,300 tables, 200+ applications, 350+ machine learning models, 50+ external data providers, and more than 150 external data feeds.