Credit scoring is no longer a simple process of calculating a score to determine a customer's credit-worthiness. Instead, credit scoring has become a complex, multi-stage event requiring a comprehensive solution that takes into account not only the customer's information, but a full spectrum of credit scoring issues. A modern scoring package must also accommodate a company's data preparation and model building needs, including tools that can evaluate the accuracy, efficiency, and functionality of models in use.

STATISTICA Scorecard uses the latest techniques and algorithms for model building and ease of deployment necessary to meet the rapidly changing landscape of credit application.


  • Comprehensive Range of Tools: STATISTICA incorporates tools for the full range of credit scoring needs. Data preparation, attribute building, weight of evidence coding, scorecard building, model selection, model evaluation, cut-off point selection and population stability are all incorporated into one software package.
  • Use Models Company-Wide:  Build models in one department, test models in another department and then score credit in offices worldwide.  Use STATISTICA Enterprise to leverage the full power of a truly collaborative tool to build and use the best credit scoring models available.
  • Provide Reflexive Models to Real-Time Needs.  Apply STATISTICA Scorecard to credit cases as they are initiated, and update credit scoring models in rapid turn-around times made possible only by STATISTICA’s integrated solutions.

Included Technologies

Success Stories

Millennium Bank has used STATISTICA effectively for more than ten years to support their data analysis. They find the program to be comprehensive and user friendly. Based on their experience with STATISTICA, the Credit Risk Department decided to extend their analytic capabilities with scorecard development and maintenance solutions using STATISTICA Scorecard. It is a crucial element in effective credit risk management, which is growing in importance throughout the financial industry. STATISTICA Scorecard is a popular and reliable tool that is well known in the Polish market. We are very pleased that Millennium Bank has joined the group of satisfied STATISTICA Scorecard users.
“We consider STATISTICA Scorecard to be highly useful in everyday development of credit risk models. Millennium Bank counts StatSoft Polska among one of its most reliable business partners.”

Louis Paul
Head of Risk Department
Millennium Bank

“We wish to express our thanks and appreciation for the assistance in employing STATISTICA Scorecard to create and validate scoring models.

“For almost four years, we have been using STATISTICA data analysis software. It is needless to say how user-friendly this environment is to our analysts; nonetheless, implementation of the new STATISTICA Scorecard module helped us to discover new opportunities and dig deeper into the software’s functionalities, not only in developing scoring models, but in other functionalities as well.

“While testing the newest version of STATISTICA Scorecard, StatSoft consultants displayed solid knowledge and deep involvement. Our decision to purchase the software and participate in the ‘Credit Scoring in STATISTICA’ workshop was made with little hesitation. Our use of this software significantly reduced the workload in creating scoring charts and implementing their validation and reporting, and greatly increased the quality of such work."
“At present, Stefczyk Credit Union is using STATISTICA Scorecard. We can confidently recommend this product to any financial institution (and not only those) that intends to reduce its financial risks and improve its sales process.”

Izabela Rutkowska
Risk Assessment Manager
Stefczyk Credit Union

“We would like to thank StatSoft Polska for their aid in implementing software for creating and validating scoring models (STATISTICA Scorecard).

“We must emphasize the fact that our purchase of the software was preceded by a month-long testing period. That period convinced us of the solution’s quality, which unquestionably includes its functionality and ease of use. The implementation of the Scorecard in a quality tool such as STATISTICA undeniably has proved an added asset to our company.

“The STATISTICA Scorecard software not only helps automate the procedures needed to build a scoring model, but also assists in reporting the entire process, which is of particular importance in any financial institution.

“Based on our experience, we can recommend STATISTICA Scorecard by StatSoft to any company for effective credit risk management.”

SKOK im. M. Kopernika
Risk Management Department
Kopernik Credit Union


Contact Us

2300 East 14th Street
Tulsa, Oklahoma, 74104
(918) 749-1119