Case Study: Santander UK achieves faster, automated credit risk decisions with ACTICO

Creating a Digital Version of Corporate and Commercial Banking

Santander UK, amid a multi‑year digital transformation of its corporate and commercial banking operations, needed a robust, centralized way to host and execute internal credit rating models that would integrate with a new cloud‑based bank operating system. The bank required flexibility for its risk methodology teams and full regulatory and audit compliance, so Santander selected ACTICO and its Credit Risk Management Platform to address these needs.

ACTICO implemented its Credit Risk Management Platform tightly integrated with Santander’s credit origination workflows, delivering a centralized, audit‑proof environment with drag‑and‑drop rule editing, APIs, model simulation and reporting. The solution went live as part of Santander UK’s end‑to‑end onboarding, credit risk and fulfillment program, enabling faster, more controlled credit decisioning, giving risk teams direct control to adapt models, ensuring compliance and digitalizing core lending processes to deliver a seamless end‑user experience powered by ACTICO.

Santander UK

Jonathan Holman

Head of Digital Santander Corportae & Commercial Banking