DEVELOPMENT OF INFORMATION AND ANALYTICAL SYSTEM FOR DECISION MAKING IN CREDIT SCORING

Abstract

The introduction of information systems in the financial sector has been a popular solution for over 20 years. This is due to the rapid growth of financial and economic settlements and customer orientation of financial institutions. Most operations related to settlements, financial calculations, credit systems, etc., are performed by working with information software. This allows you to minimize the errors of system operators, save the digital form of documentation, implement various Internet services to promote financial services. The aim. The purpose of the article is to describe the process of designing and determining the functional logic of software development for decision-making in the analysis of customers in financial institutions. Realization of the set purpose provides the decision of a number of tasks: 1) formation of logic of an estimation of entrance criteria from clients; 2) designing the concept of the system using the functional design language UML; 3) development of a demonstration version of the information system on the basis of the formed project and the defined functional logic. Scientific novelty. The designed and developed solution uses simplified methods of processing input information, which allows to increase the speed of processing requests from users. The paper uses dynamic methods of analysis of input factors with the use of additional external customer reviews. Used development tools optimize the system through the use of webdevelopment tools. In conclusion, the article emphasizes that modern credit scoring is a relevant area of application in multilevel financial institutions, and should include functional measures for processing input information in decision-making in each individual case. The applied method of input data processing allows to minimize time for data processing and to increase initial accuracy of recommendations for credit business. The given designs allowed to define qualitative means of realization of a software part, and also to form necessary technological components for realization of information system. Further development of the system may be the use of better means of processing input information, expanding the methods of initial diagnosis of customers and the introduction of a matrix method to increase the accuracy of the final forecast for each individual financial case.