A Platform Built for Performance
ICMS provides a suite of configurable tools designed to meet the demands of fast-moving enterprises. Whether you’re focused on onboarding, risk, compliance, or optimisation, our solutions are designed to be modular, scalable, and fully integrated.
Our Solutions
ICMS delivers a flexible, intelligent platform to solve critical business challenges through data-driven automation and advanced decisioning. Whether you’re managing onboarding, risk, compliance, or credit, ICMS adapts to your environment fast.
ICMS Modeller
Empowering Users to Build, Evaluate, and Govern Models.
A low/no-code solution for logistic regression modelling (robust binning / WOE based) and lifecycle management.
“From dataset to deployment, our tool gives your team control, visibility, and compliance—all in one role-based platform.”
ICMS Decisioner
Smarter decisioning. Faster execution. Stronger governance.
Our decisioning engine empowers organisations to design, deploy, and govern decisions at scale.
“Flexible decisioning in an intuitive low-code interface for business users, whilst enabling advanced coding capabilities for developers—all within a single platform.”
ICMS Workflow
A Configurable Customer and Agent Workflow Platform for Seamless Customer Journeys.
Powered by an intelligent decision engine to ensure fast, personalized, and compliant experiences.
“Allowing Customers to move effortlessly between digital self-service and agent-assisted channels without losing progress.”
Real-World Use Cases
ICMS powers transformation across financial services, lending, and compliance. Here’s how our platform delivers results.
Collections & Affordability
Automate repayment journeys with affordability scoring, channel orchestration (WhatsApp, SMS, Email), and restructure logic.
Lead Allocation & Sales Optimisation
Route leads based on real-time scoring, compliance rules, and conversion likelihood improving agent performance and ROI.
Onboarding & Customer Origination
Seamlessly manage onboarding with KYC checks, eligibility decisioning, affordability, and integrated workflows
Smart Decisioning for AML
Replace legacy monitoring with intelligent rule families, workflow investigations, and full auditability.
Strategic Call Centre Operations
Optimise dialling, routing, and agent targeting based on predictive insights and real-time feedback loops.
Embedded Decisioning
Decisioning layer in debt management lending platforms, embedded finance tools, or digital onboarding apps.
The ICMS Advantage
ICMS delivers agile automation, smart optimization, strong governance, and data-driven intelligence—powering seamless customer journeys and smarter, faster decisions.
Low-Code / No-Code
Flexibility
ICMS strives to ensure a low-code/no-code approach across our products—enabling rapid model building, strategy deployment, and flexible rule configuration to streamline automation and adapt quickly to evolving business needs.
A/B Testing & Continuous Learning
ICMS is committed to embedding A/B testing and continuous learning capabilities, empowering iterative optimization of credit underwriting, collections, and monitoring strategies for measurable performance gains.
Governance & Control
ICMS prioritizes governance and control through rigorous versioning, change management, comprehensive documentation, high data quality standards, and robust database design and architecture—ensuring reliability, traceability, and operational excellence.
Data Science Expertise
We support advanced data science needs including marketing and acquisition strategies, credit and risk modeling, portfolio segmentation, and collections optimization. Our approach combines continuous model monitoring with governance frameworks aligned to IFRS 9 and Basel standards—ensuring transparency, compliance, and measurable impact.