Application Origination, Scoring & Collections
End-to-end credit decisioning powered by aXion — from online application intake through bureau scoring to adaptive collections.
Core Systems
Online self-service credit applications. Customers apply with ID number and phone number — processing 25,000 applications per month through automated intake and validation.
Unified scoring workflow with three scorecard types and multi-bureau integration. HCSCORE processes all channels through a single decisioning pipeline with real-time response.
Adaptive collections with markdown-driven agent scripts and a state machine for account lifecycle. Priority queuing by risk band, days past due, and arrears balance.
Integration Channels
Each channel feeds into the unified HCSCORE workflow with channel-specific response formatting.
Primary self-service channel. Online credit applications with simplified score and flag responses. Processing 25,300 applications/month.
Partner origination channel returning full scoring response with lead wording for agent consumption. Processing 10,000 applications/month.
Conversational credit applications via WhatsApp with full response and lead wording. Processing 1,500 applications/month.
Bureau Coverage
Multi-country Experian bureau pulls with automated failover and regional data enrichment.
South African bureau. Primary market coverage for ID-based credit lookups with full credit profile and payment history.
Lesotho bureau integration for cross-border credit decisioning with regional scoring adjustments.
Namibian bureau integration supporting regional credit applications with localised validation rules.
Eswatini bureau coverage completing the four-country Southern African footprint for HomeChoice credit operations.
See how HCSCORE processes 52,500 applications per month across three channels with unified credit decisioning.