The ICB – Revolving Credit application aims at optimizing the customers’ credit limits. This is achieved by an assessment of their transactional patterns through statistical modelling (behavioral scoring). The data for the models include loan application and transactional data. This application can be used:

• On a constant basis,  for the review of credit limits of individual cases/customers/groups of customers (for example, employees of a company).
• On a regular basis, for the review and assessment of credit limits of larger groups of clients, for example professional groups.
• On an annual or biannual basis, for the tuning of credit limits for all clients in a product line.

The proposed changes are produced based on rules agreed with the institution. The rules have parameters which are adjusted and reviewed based on policy and marketing considerations.