• Provide strategic direction in developing a solution to instantly assess client-specific credit risk based on account information services allowed under PSD2 (Revised Payment Services Directive)
• Identify use cases linked to instant issuing of line of credits for consumers and businesses
• Support key IT personnel with detailed guidelines aimed at reducing time to market

• Assessed general demand of consumer credit and needs for specific consumer segments when shopping online and in-store
• Assessed SMEs demand of credit lines
• Created business cases for both consumer and business customers and highlighted benefits to all stakeholders – credit issuers, merchants and customers – and the economic impacts
• Defined user experience aimed at maximizing uptake
• Defined how to improve accuracy of customer risk profile by complement elements visible to credit agencies with customer accounts details – e.g. earning, transactions, current lines of credit and account balance, investments, …
• Supported credit risk departments to combine newer real-time customer data within their risk assess policies
• Defined integration with payment options – including instant payments – and loyalty programmes
• Develop a set of higher-level and detailed flow diagrams (Swimlane diagrams) to support software developers
• Coordinated players involved and facilitated the implementation phases
• Assisted in the definition of a pilot to be demoed to credit issuers and large merchants

• Definition of instant, customer-tailored credit scoring solution with high potential to improve merchant sales of high-value items and revenue for credit issuers
• Business cases to show economic benefits to players involved address to both consumer and business targets
• Integrated real-time customer data within existing risk assess policies to improve accuracy and reduce credit issuer actual risk
• Detailed flow diagrams to guide software developers and IT roles