Case Study: Resurs Bank achieves rapid e‑commerce market expansion and automated credit decisioning with Provenir

Automating Credit Risk Decisioning to Increase Market Reach

Resurs Bank, a Nordic specialist in e‑commerce financing and consumer credit, needed a unified, faster credit decisioning process to support expansion into Denmark and to remove reliance on IT for model updates. To meet these goals the bank selected Provenir and its Risk Analytics and Decisioning Platform (Decisioning Cloud) to standardize credit approval, better use customer behavior data, and speed responses for online customers.

Provenir configured and deployed the digital credit decisioning solution in under six months, integrating with Resurs Bank’s e‑commerce platform and external bureaus (Experian and Bisnode) and automating credit scoring for an initial two Danish retail partners. The implementation let credit staff update and redeploy SAS risk models without IT, consolidated decisioning systems onto one platform, and materially reduced time‑to‑market and operating costs—enabling faster market entry and planned rollouts across Sweden, Norway and Finland.

Resurs Bank

Fredrik Ridaeus

Nordic Credit Manager