Summary The combination of highly automated decisioning and long industry experience delivered a scalable solution. Moneyline has successfully migrated to ADP with minimal business disruption and is enjoying the benefits of being in control of their credit risk decisions in real time. LendingMetrics enjoyed working with MoneyLine’s knowledgeable team and both companies look forward to working together on further projects.
access to fully categorised bank state - ment data completely free of charge. OBV was combined with a number of other credit and anti-fraud / ID checks to mitigate the need for manual checks and excessive documentation, allow - ing customers a smoother and quicker journey. This resulted in LendingMetrics designing a multi-functional decision engine to cover all areas of credit risk, utilising credit and new Open Banking data. More recently, Moneyline has moved to using the 12 month OBV service, which has allowed them to start lending to new customers in the post Covid envi - ronment by looking to see what has changed for a customer due to Covid. LendingMetrics have worked closely with Moneyline, building new varia-
bles to support the wider use of open banking data and will continue to work closely with Moneyline in this ever changing environment. Results Moneyline has now successfully implemented ADP and OBV, which has allowed their operation to become highly scalable and has shown note - worthy results. Following the delivery of ADP, the Moneyline team where provid - ed with training sessions on their own decision engine, to talk them through the various components. The Money - line team are now using the ADP inter - face to autonomously manage their credit decisions/policy in real time as well as champion/challenge their rules through ADP’s “great testing (Passive Engines) environments”.
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