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Acquisition
Efficiency and contained costs are essential objectives for banks and financial institutions, which can be achieved through better management of credit policies and optimisation of decision-making processes. A key factor in achieving these objectives is the ability to re-engineer processes, on the basis of the complete availability of information and a correct methodological approach.

CRIF’s range of solutions for the acquisition phase for both retail customers and businesses relies on a database of information which is unique in Italy -  EURISC – the CRIF credit reporting system –integrated with economic and financial information from public sources. The leader in Italy for the quality and quantity of information it supplies, the high degree of technological reliability and the significant contribution it makes in reducing risks.  EURISC is used by 90% of operators in the credit retail market.

Credit and business information services are integrated with decision-making models, outsourcing systems and software which allow financial institutions to manage credit risk and get greater returns from their customers quickly and effectively.

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Perform

The CRIF Credit Bureau Score maximizes the value of information contained in EURISC by exploiting the predictive power of a wide and heterogeneous set of variables.
Sprint  
The solution for online credit application processing, which helps carry out the preliminary investigation of consumer and business applications completely and efficiently (response ginven in only a few seconds).
Price Proxy



By using its experience in decision-making support systems and evaluating mortgages, CRIF Decision Solutions has developed a specific model to estimate a reference price for residential properties, which guarantees full coverage of Italy and is regularly updated.
Risk Based Pricing CRIF Decision Solutions provides this solution both a methodological and operational solution, specifically tailored to the Italian market, for applying the Risk Based Pricing (RBP) approach to retail credit.
Eurisc Total Value
 
The innovative CRIF solution for the assessment and monitoring of each customer segment - consumers, households and businesses - tailor-made to the specific requirements of the credit institution.
Business information on companies, people and real estate CRIF supplies all the official information from the Chambers of Commerce, Courts and Land Registry Offices located throughout the country.
Report Impresa Provides real time in-depth information in constantly updated tables, making it possible to reconstruct the economic, financial and business situation of any Italian company.
Anti-Fraud Report The service for the reliability assessing and the identity ascertaining of individuals
Report Persona Provides real time information on Italian residents (natural persons) regarding their reliability and any business interests they may have or shares held.
Report Extra  
The Report Extra is the integrated tool that makes it possible to have even more precise, rapid and up-to-date information, in order to examine the economic situation and the reliability of any Italian company.
Smart Finder  
The expert screening system which makes protes searches relating to individuals and companies more effective.
Reclassified Balance Sheets

Thanks to many years of experience in the management of economic and financial information, CRIF is able to offer banks and financial institutions a complete solution in response to the need to assess and monitor different types of companies.
Internal Rating Systems According to Basel II requirements, CRIF Decision Solutions provides internal rating systems with methodology and tools which enable banking and financial institutions to optimize resource allocation and maximize profitability.
Scoring Models for acquisition

From the standpoint of an efficient reengineering of all decision processes, CRIF Decision Solutions’ credit scoring models allow the definition of a more objective, consistent credit policy and better management and communication with the commercial network. Marketing scoring models serve as a valid aid in boosting the profitability of an existing portfolio and attracting the most lucrative prospects.
Strategic Card Management Strategic Card Management Logo 

Strategic Card Management is CRIF Decision Solutions' consulting unit specialized in payment and consumer credit systems which offers flexible and modular solutions for the credit card sector, and in particular for revolving cards.
CRIBIS Legal  
Legal services for real estate management
Real Estate Surveys Surveys for the checking and monitoring of real estate properties
Mortgage cancellation The CRIF solution for outsourcing the management of mortgage cancellation activities based on new Italian legislation. The solution guarantees financial institutions coverage of the whole process and brings advantages in terms of organization, control and efficiency.
Key Factor  
European credit reporting network
SkyMinder  

Skyminder (www.skyminder.com) provides detailed and up-to-date public information via the Internet on global markets and on 50 million companies in 230 countries, including information from international providers and local sources.
CRIBIS Teleservice – mortgage documentation  

Services for preparing mortgage documentation
CRIBIS Teleservice - Outbound  

Outbound Services
Business Rating

Business Rating is the solution that integrates the most advanced and innovative rating models for an objective and predictive assessment of SME's creditwortheness, assuring that the most pertinent and effective information for determining credit risk is used.
CMS Pool Closed User Group Information Exchange
StrategyOne StrategyOne 
StrategyOne is a 360-degree decision support system to help identify the right targets, improve customer loyalty, and boost sales and profits while combining both "management" and "regulatory" perspectives (implementation of rating assignment and risk assessment algorithms).
Crif Gate

The Crif Gate dashboard software was developed by CRIF to help in acquiring information from external sources and integrating it with the lending institution’s information system.
CreditFlow Reporting  

The business intelligence solution for CreditFlow users
CreditFlow  

CreditFlow is a flexible and innovative Business Process Management Suite which allows banking and financial organizations to streamline the business application process.
Agrirating AgriRating was developed by CRIF Decision Solutions in collaboration with experts in the financial analysis of agricultural businesses, and is a credit risk assessment solution specific to the agricultural and agri-food sector.
DANTE  

Development of Analytics and Technology
Eurisc 2.0

EURISC 2.0 is an innovative solution from the CRIF Credit Reporting System, which is available to banks and financial institutions to enable them to respond ever more effectively to business challenges in a new era of credit.