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Home > Top Stories > PERMANENT TSB UPGRADES ITS REAL-TIME CREDIT SCORING WITH SAS

PERMANENT TSB UPGRADES ITS REAL-TIME CREDIT SCORING WITH SAS

Published by Gbaf News

Posted on March 6, 2015

3 min read

Last updated: January 22, 2026

Credit

SAS^® solution delivers time savings, improved credit models and better decision-making

Permanent tsb (PTSB), a leading Irish retail bank, will be using SAS solutions to deliver quicker and more efficient credit-decisioning. Analysing this data in real-time will enable the bank to make quicker decisions that reflect each customer’s circumstances, thanks to technology provided by SAS, the global leader in business analytics.

PTSB chose SAS because of the integration between its various solutions which reduces significantly the time it takes to develop and deploy new scorecards for credit-scoring the bank’s customers. The resulting speed to market allows for enhanced credit decisioning across the full credit lifecycle. The proposed solution will lead to:

Time savings in the develop and deploy process
More time to enhance the accuracy and effectiveness of credit models
Improved credit decisioning resulting in increased profitability.

The SAS solution can also be applied to other business areas, such as implementing an automated “Next Best Action” decisions, leading to an improved and integrated customer relationship in an omni-channel environment. This means only one technology needs to be supported, hardware can be shared and business processes are complementary.

David Curtis, Chief Credit Officer at PTSB, said: “PTSB required a high performing real time credit decisioning engine for new business which integrated seamlessly into the bank’s existing customer management and core banking systems with a usable and interactive interface. We also needed to update legacy software and required a real-time decision support tool to support underwriters in our Arrears Management Unit, so they could propose suitable treatments which accorded with the requirements and circumstances of each customer. This technology addresses both items and we look forward to using it in other areas of our business, so we can make even more customer-centric decisions and deliver a service that is the best fit for them.”

John Farrelly, SAS Regional Director, commented: “PTSB has laid out a clear vision to develop deeper and stronger relationships with its customers, and SAS is an integral part of the solution. In the information economy where consumers interact in multiple ways with organisations, it’s crucial that businesses like PTSB are able to collect and analyse that data to give them the power to know all they need to about their customers. Ultimately it will lead to a deeper relationship with those customers and a better service as a result.”

PTSB is using SAS® Real-Time Decision Manager, which enables organisations to get more value from inbound, real-time customer interactions by going beyond what a simple rules or recommendation engine can provide. It combines the world’s best analytics with business logic and contact strategies, to deliver the best real-time recommendations and decisions to various interactive customer channels – websites, contact centres and point of sale – at every possible touch point.