Case Study: SA Taxi achieves 25% lending growth and cuts application decision time from 2 hours to 10 minutes with FICO Decision Modeler

SA Taxi - Customer Case Study

SA Taxi, a South African lender focused on financing taxis and taxi operators, was overwhelmed by rising application volumes and a largely manual credit process. Manual assessment led to slow, inconsistent and overly conservative decisions, limited product segmentation and agility, and heavy reliance on IT for rule changes—hindering scale and growth.

SA Taxi implemented cloud-based FICO Decision Modeler to automate decisioning, enabling self‑service rule changes and real‑time data integration. The change automated 70% of credit decisions, cut decision time from two hours to 10 minutes, increased lending growth by 25% without higher fixed costs, reduced the credit team by about 33%, and improved decision accuracy, risk controls and product flexibility.

SA Taxi

Itumeleng Nomlomo

Senior Credit Analyst