Case Study: Shawbrook achieves 1.5s decision speed and 2M+ monthly transactions with GDS Link

Shawbrook Bank Enhances Lending Efficiency with GDS Link’s Decisioning Platform

Shawbrook, the UK’s third-largest regulated challenger bank with £14bn in customer deposits, £0.5bn in consumer loans and over 425,000 customers, sought to enter the competitive marketplace lending channel and needed a credit risk decisioning solution that delivered transparency, speed, accuracy and flexibility. To meet this challenge, Shawbrook engaged GDS Link and adopted GDS Link’s leading decisioning platform with a multi-bureau function.

GDS Link implemented a standardized, multi-bureau decisioning platform that gave Shawbrook self-sufficiency to deploy new credit models, make real-time rate and pricing changes, and react quickly to market shifts. The result was more than 2 million decisioning transactions per month, decisioning speed cut from tens of seconds to 1.5 seconds, and measurable efficiency gains across underwriting and engineering teams — outcomes delivered in partnership with GDS Link.

Shawbrook

Paul Went

Managing Director, Consumer Banking