Nexent Bank, the Romanian branch of Netherlands-based Nexent Bank N.V., has transformed its lending operations by deploying SAS® Viya® to power real-time, AI-driven credit decisioning — slashing approval times from days to minutes, automating 70% of credit card limit approvals, and delivering fairer, more personalized customer experiences.
Facing legacy system constraints in a competitive digital-first market, Nexent Bank turned to SAS Viya for an end-to-end credit risk management and decisioning platform that combines speed, precision, and regulatory compliance.
The solution delivers real-time risk assessment, automated workflows, and seamless integration across mobile and digital channels while maintaining full on-premises control required by local regulations.
"Our mission is to make banking smarter and more accessible," said Florentin Codin, Head of the Risk Modeling Division at Nexent Bank N.V. Amsterdam Bucharest Branch. "With SAS Viya, we've transformed our credit decisioning process into a strategic advantage – one that's fast, fair and fully aligned with our vision to provide mobile-first experiences backed by on-prem, real-time intelligence."
Working in close collaboration with SAS and a local partner, Nexent Bank rolled out its first credit card decisioning strategy in only six months. Key outcomes include:
The open, scalable architecture of SAS Viya ensures the bank can continuously refine models, deploy new products independently, and adapt to evolving regulations without vendor dependency.
"Financial institutions today must balance two imperatives that can often seem at odds: accelerating automation and maintaining accountability," said Stu Bradley, Senior Vice President of Risk, Fraud and Compliance Solutions at SAS. "Nexent Bank proves these goals are entirely compatible when guided by responsible innovation and AI ethics."
Nexent Bank (formerly Credit Europe Bank) is a niche bank dedicated to serving its international customer base with a differentiated approach. Established and licensed in the Netherlands since 1994, the bank has developed a unique identity with extensive expertise in emerging economies. Nexent Bank serves both corporate and retail customers, offering structured and tailor-made products to corporate customers and simple, efficient and easy to use products to retail customers.
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