Use Case

Credit Evaluation

All credit evaluation decisions can be securely & rapidly changed with great flexibility according to new emerging business situations


Multicredito is a privately owned Brazilian company, operating since 1984. It provides merchants and retailers a shared platform for consumer credit evaluation based on artificial intelligence and statistical decision models. Serving 4000 organisations and 13000 points of sales, the credit evaluation process starts in store, gets an authorisation from central computers and responds back within three seconds. Special cases are transferred to credit analysts who, based on trained knowledge, look for additional information to help approve the credit to purchase or offer a reasonable explanation and a course of action for the consumer to improve credit worthiness.

The Solution

Due to the ever increasing complexity of decisions and data sources used for credit evaluation, Multicredito chose XpertRule for its low-code development environment to capture and improve the knowledge of their credit experts. The initial focus was on the design and implementation of a desktop credit approval system. After a successful time period Multicredito decided to undertake a far more ambitious project, implementing the XpertRule transaction server into their central authorising system.

The impact of the overall project was to bring clarity and transparency to the credit evaluation rules for business users, client merchants and consumers

The Benefits


The automation of complex & decision-intensive business processes

Real-time Flexibility

Ability to change a process quickly according to a new business situation

Regulatory Compliance

Visible, understandable decision logic providing a clear audit trail to credit authorisation decisions

Contact an expert

If you would like to know more about this use case or discuss how XpertRule could help your business please get in touch