About CRIF

CRIF is an Italian company headquartered in Bologna, Italy. It works on

multiple area’s – most notably within the space of credit bureaus,
management consulting, analytics, product development. Most of the
services are offered to financial institutions – to improve their decision
process and their profitability. Established in 1988 in Bologna (Italy),
CRIF has an international presence, operating over four continents
(Europe, America, Africa and Asia). Specializing in credit information
systems, business information and credit management solutions. CRIF
offers banks, financial institutions, utility companies and businesses
qualified support in every phase of the customer relationship: from
the planning of development strategies to acquisition, through to
portfolio management and credit collection. Today CRIF operates in
30 countries with around 4.7K employees and revenue of 538mn EUR
in 2018.
Case
One of the major changes that has happened in our generation is
‘UBER’. You don’t own a car but you pay for every ride that you take.
Even in the complex world of lending, systems and decisions have
already moved towards an UBER like space – and processes are run
via API from a cloud environment. In this case, you don’t pay for the
license of the software, hosting costs and only pay a cost for every
time you use the system to take a decision. Let us call this decision as
a service.
Typically, the concept of decision as a service should be very simple –
you send some information of a customer via API to a system, and the
system sends back a decision – to approve or to decline the customer.
CRIF has decided to invest heavily in this space – both from an
infrastructure standpoint(software) and by providing algorithms
within this to make effective decisions.

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Still some sections of the leadership team are not convinced about the
Go To Market (GTM) strategy for something like this – and also
believes that time-to-implement (TTI) will be quite high per user and
does not cover the full synergies to have a successful product in the
market.
So, what needs to be evaluated is – what is real market for this (w.r.t
value) – what may be successful – how can this be marketed – how
can the TTI be lowered – and finally does it make sense to do this.
Guidelines:
➢ The solution should be submitted via ppt/pptx format
➢ The presentation should be of maximum 5 slides (excluding intro
and reference slide)
➢ The teams can also include any additional material for the better
explanation of the solution
➢ The deadline for the submission is January 27, 2019 6:00 am
Please submit the presentation on:
https://www.dropbox.com/request/2MXXYLlJeDa6OwGIxkca