Home Credit
World Trade Center Strawinskylaan 933,
Amsterdam, 1077,
Netherlands
Amsterdam, 1077,
Netherlands
31 208-813-120
Banking and Financial Services
Home Credit Technographics
Home Credit Technographics, Software Purchases, AI and Digital Transformation Initiatives
Discover the latest software purchases and digital transformation initiatives being undertaken by Home Credit and its business and technology executives. Each quarter our research team identifies on-prem and cloud applications that are being used by the 132000 Home Credit employees from the public (Press Releases, Customer References, Testimonials, Case Studies and Success Stories) and proprietary sources.
During our research, we have identified that Home Credit has purchased the following applications: FICO Score X Data for Predictive Analytics in 2018, FICO Decision Management Suite for Analytics and BI in 2017, Microsoft 365 for Collaboration in 2020 and the related IT decision-makers and key stakeholders.
Our database provides customer insight and contextual information on which enterprise applications and software systems Home Credit is running and its propensity to invest more and deepen its relationship with FICO , Microsoft , Solarwinds or identify new suppliers as part of their overall Digital and IT transformation projects to stay competitive, fend off threats from disruptive forces, or comply with internal mandates to improve overall enterprise efficiency.
We have been analyzing Home Credit revenues, which have grown to $3.19 billion in 2024, plus its IT budget and roadmap, cloud software purchases, aggregating massive amounts of data points that form the basis of our forecast assumptions for Home Credit intention to invest in emerging technologies such as AI, Machine Learning, IoT, Blockchain, Autonomous Database or in cloud-based ERP, HCM, CRM, EPM, Procurement or Treasury applications.
Home Credit Tech Stack and Enterprise Applications
Home Credit AI-Powered Application
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
| FICO | Legacy | FICO Score X Data | Predictive Analytics | AI-Powered Application | n/a | 2018 | 2019 |
In 2018 Home Credit China deployed FICO Score X Data to enhance consumer loan origination and thin file underwriting. The deployment positioned FICO Score X Data within the Predictive Analytics category to support origination decisioning for point of sale and online lending channels in the China market.
The implementation configured FICO Score X Data to generate predictive scores and to augment Home Credit's internal scorecards, supporting thin file decisioning and automated underwriting inputs. Functional capabilities implemented included predictive scoring for origination, external data enrichment to supplement application records, and integration of score outputs into existing scorecard workflows.
Integrations linked FICO Score X Data with Home Credit application data, the lender's internal scorecards and other external data sources, feeding origination decision engines and underwriting validations. Operational coverage was focused on consumer lending functions in Home Credit China, processing over 1.2 million applications per month across point of sale and online channels.
Governance emphasized embedding FICO Score X Data outputs into origination workflows and ongoing scorecard performance monitoring, aligning predictive scores with automated underwriting rules and operational decision gates. Home Credit China reported explicit outcomes from the deployment, including a 25 percent reduction in point of sale loan credit risk, a 15 percent reduction in online loan risk and an improvement in scorecard performance of about 2 Gini points.
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Home Credit Analytics and BI
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
| FICO | Legacy | FICO Decision Management Suite | Analytics and BI | Analytics and BI | n/a | 2017 | 2017 |
In 2017 Home Credit implemented FICO Decision Management Suite to enable a more agile approach to decision-making across its operations in 11 countries. The FICO Decision Management Suite was deployed as an Analytics and BI platform to centralize decision logic, support predictive analytics, and operationalize scoring and rule execution for consumer finance decision flows.
The implementation focused on embedding decision management into credit underwriting, risk scoring, and customer acquisition workflows, using modules for predictive model execution, business rules orchestration, and model management with version control. Configuration emphasized reusable decision components and real-time decisioning capabilities, allowing standardized credit policies across markets while supporting localized parameterization.
Governance established a centralized decision repository, formal model governance processes, and controlled promotion paths for models and rules into production to support coordinated rollout across multiple countries and business units. The deployment was explicitly aimed at accelerating decision cycles to support Home Credit Group's objective of radical but sustainable growth.
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Home Credit Collaboration
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
| Microsoft | Legacy | Microsoft 365 | Collaboration | Collaboration | n/a | 2020 | 2020 |
In 2020 Home Credit implemented Microsoft 365 for Collaboration to standardize corporate productivity and cloud-based collaboration across its organization. Microsoft 365 is used on their website and serves as the primary Collaboration platform providing unified communication and content services.
The deployment centered on Microsoft 365 capabilities including Exchange Online for enterprise email, Microsoft Teams for synchronous meetings and chat, SharePoint Online and OneDrive for document management and intranet content, and Office desktop and web applications for productivity and co-authoring. Configuration work focused on tenant provisioning, license assignment, role-based access to collaboration workspaces, and enabling standard Collaboration workflows such as team sites, shared libraries, meeting scheduling, and real-time document co-authoring.
Governance was organized around centralized tenant administration, policy controls for information protection and retention, and operational user lifecycle processes to align collaboration policies with IT and compliance requirements. The implementation targeted business functions including corporate communications, knowledge management, and workplace productivity, with Microsoft 365 positioned as Home Credit Collaboration tooling.
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Home Credit ITSM
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
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Application Performance Management | ITSM |
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2015 | 2015 |
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Home Credit IaaS
Vendor |
Previous System |
Application |
Category |
Market |
VAR/SI |
When |
Live |
Insight |
|---|---|---|---|---|---|---|---|---|
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Application Hosting and Computing Services | IaaS |
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2015 | 2015 |
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Application Hosting and Computing Services | IaaS |
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2015 | 2015 |
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Content Delivery Network | IaaS |
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2016 | 2016 |
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Content Delivery Network | IaaS |
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2020 | 2020 |
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IT Decision Makers and Key Stakeholders at Home Credit
| First Name | Last Name | Title | Function | Department | Phone | |
|---|---|---|---|---|---|---|
| No data found | ||||||
Apps Being Evaluated by Home Credit Executives
APPS RUN THE WORLD tracks software evaluation trends across 2 million companies worldwide, including buyer insights from Home Credit IT executives and key decision makers. As part of ARTW Buyer Intent and technographics insights, these findings provide useful visibility into the Home Credit digital transformation priorities and AI adoption trends.
| Date | Company | Status | Vendor | Product | Category | Market |
|---|---|---|---|---|---|---|
| No data found | ||||||
FAQ - APPS RUN THE WORLD Home Credit Technographics
Home Credit is a Banking and Financial Services organization based in Netherlands,
with around 132000 employees and annual revenues of $3.19 billion.
Home Credit operates a diverse technology stack with applications such as
FICO Score X Data, FICO Decision Management Suite and Microsoft 365,
covering areas like Predictive Analytics, Analytics and BI and Collaboration.
Home Credit has invested in cloud applications and AI-driven platforms to optimize efficiency and growth,
collaborating with vendors such as FICO and Microsoft.
Home Credit recently adopted applications including
Microsoft 365 in 2020, Akamai CDN in 2020 and FICO Score X Data in 2018,
highlighting its ongoing modernization strategy.
APPS RUN THE WORLD maintains an up-to-date database of Home Credit’s key decision makers and IT executives,
available to Premium subscribers.
Our research team continuously updates Home Credit’s profile with verified software purchases,
vendor relationships, and digital initiatives identified from public and proprietary sources.
Subscribe to APPS RUN THE WORLD to access the complete Home Credit technographics profile,
including detailed breakdowns by category, vendor, and IT decision makers.