A SaaS Framework for Credit Risk Analysis Services
José Manuel Redondo, Francisco Ortín · IEEE Latin America Transactions · 2017
Credit Risk Analysis (CRA) software services are becoming very important nowadays due to the financial crisis. Adapting the existing Enterprise Resource Planning (ERP) systems to include CRA services commonly involves a high cost, mainly caused by particular requirements of each company. On contrary, the CRA systems not included in the company ERP still require the ERP data. In this paper we describe OneRate, a Software as a Service (SaaS) CRA solution. OneRate frees the companies from the cost of adapting their current ERPs and from maintaining a separate CRA product. Our solution is highly customizable to the particular needs of each client company, so that customers benefit from the existing CRA capabilities while they also have a personalized product. OneRate is currently supporting more than 300 users of 32 different companies.