The ACTICO Credit Decision Platform - designed for real-time credit decisioning with full auditability. It is a robust and highly scalable platform for automating credit origination and decisioning processes. Based on a powerful graphical decision management suite (low-code, no-code approach), the platform allows the implementation, testing, simulation and optimization of any bank-internal decision services of any complexity, including but not limited to risk scoring, pricing, fraud prevention, and credit decisioning strategies. The platform allows the integration of any number of internal or external data sources and can be operationally operated by ACTICO in a Software-as-a-Service (SaaS) model.