Advisors reviewing documents and notes during a working session

Credit decision trail testing

Test whether POS finance approvals, referrals, and declines leave a reconstructable trail: inputs, score or rule outcome, override, and the person accountable.

When a store grants installment credit at the till, someone has to be able to explain the decision months later. We sample live or archived cases and ask whether the trail still shows the data used, the rule or score that fired, and who overrode it. Missing logs, shared supervisor codes, and silent auto-approvals are written as findings with the evidence attached.

What is included

  • Sample of approve, refer, decline, and override cases
  • Replay of inputs against the documented rule set
  • Accountability map for till, supervisor, and head office
  • Gap list for missing logs, timestamps, or dual control

How we start

After your note we confirm the module family, whether we need a live till or a lab environment, and the sample window. The figures on this page are for planning. There is no online payment.

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