BUSINESS PROCESS REENGINEERING WITH DATA MINING IN REAL ESTATE CREDIT ATTRIBUTION: A CASE STUDY

The process of real estate credit attribution is complex. The risk of accepting a credit for a customer that will not pay back has to be assessed and evaluate carefully. This process requires several steps, including the search for information within different tasks and banking organisations. Nevertheless, the evolution of real estate sector induces the need to reduce the time between the reception of the client's requirements and the transmission of the acceptation or rejection decision. This change can not be obtained by minor modifications of the existing process; a business process reengineering is needed. Using a real case study, this article proposed to investigate the interest of data mining techniques to elaborate business process reengineering prescriptions.