Case Study: Volkswagen Financial Services (Volkswagen Financial) cuts manual earnings checks by 80% and saves €1M+ with ACTICO

The Operationalization of Machine Learning Models

Volkswagen Financial faced a large workload of manual earnings-certificate checks—about 240,000 in 2017—that tied up specialist capacity and slowed credit risk decisions. To reduce this burden the company developed a machine-learning forecasting model and partnered with ACTICO to operationalize it on the ACTICO Platform, bridging the gap between data scientists’ Python models and the bank’s Java-based IT systems.

ACTICO implemented the execution and monitoring of the ML model within the ACTICO Platform, integrating scoring and explainability into the credit application process and enabling continuous learning from feedback. As a result, ACTICO’s solution cut manual checks by 80%, freed up the equivalent of 8.5 full‑time employees and delivered annual savings of over 1 million Euros.

Volkswagen Financial