SAS Credit Scoring vs Nected: A Comparative Analysis

SAS Credit Scoring vs Nected: A Comparative Analysis

Prabhat Gupta

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SAS Credit Scoring vs Nected: A Comparative AnalysisSAS Credit Scoring vs Nected: A Comparative Analysis
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Credit scoring is a crucial tool for lenders, allowing them to systematically assess a borrower's ability to repay a loan. By analyzing factors like payment history, income, and debt, lenders can estimate the risk involved and make informed decisions about loan approvals. Traditional methods used tools like SAS Credit Scoring, renowned for its robustness in developing and managing credit scorecards. However, the evolving financial landscape demands more adaptability and user-friendliness.

This is where Nected steps in, offering a modern and user-friendly solution that seamlessly blends technology and financial expertise. It caters to various industries, addressing the limitations of traditional methods with a comprehensive and efficient approach.

Join us as we explore the nuances of both SAS Credit Scoring and Nected, revealing the innovative approaches shaping the future of lending decisions.

SAS Credit Scoring: Streamlining Credit Decisions

SAS Credit Scoring is a software program that helps lenders create, test, and use credit scoring systems. These systems use information like credit history, income, and debt to predict how likely someone is to repay a loan.

Overall, SAS Credit Scoring empowers lenders to make faster, more informed credit decisions, leading to better financial outcomes.

Let’s Imagine this scenario: A bank needs to develop a new credit scoring model for assessing the creditworthiness of small business loan applicants. With SAS, the process might involve:

  • Hiring data scientists and developers to build and maintain the model.
  • Facing potential delays due to the complexity of the system.
  • Incurring significant costs for licensing and ongoing maintenance.

While SAS Credit Scoring is a reliable solution for credit scoring, it requires significant technical expertise to use effectively. 

SAS Credit Scoring: Strengths and Limitations

SAS Credit Scoring is a powerful software solution that assists lenders in developing, validating, deploying, and monitoring credit scorecards internally. However, it's important to consider both its strengths and potential limitations.


  • Sustainable Development Environment: SAS Credit Scoring provides a stable platform for creating and implementing various credit scorecards (application-based and behavior-based) within your organization, ultimately reducing risks associated with models.
  • Comprehensive Data Management: The software offers robust data management capabilities, allowing users to access, transform, standardize, and clean all relevant customer data, providing a holistic view for informed decisions.


  • Flexibility: Compared to some competing solutions, SAS Credit Scoring might offer less flexibility, potentially hindering adaptation to evolving business needs.
  • Resource Investment: Implementing and maintaining SAS Credit Scoring may require significant time and resource investment, which could pose a challenge for certain organizations.

It's crucial to weigh its strengths against potential limitations to determine if it aligns with your specific needs and resources.

In the next section, you’ll see the easy implementation of Nected that organizations can follow to build credit scoring models.

Nected: A Low-code Alternative to SAS Credit Scoring

Nected offers a more advanced and efficient solution for workflow automation, enabling banks to build custom workflows based on rules without the compulsion of writing numerous lines of code. Nected's intuitive interface makes it easy for non-technical users to create and manage workflows, reducing the need for technical expertise.

Nected solves limitations of SAS and its dynamic low-code/no-code rule engine offers more flexibility and scalability than SAS Credit Scoring, making it a more versatile solution for the banking industry.

Implementing B2B Credit Scoring with Nected

1. Login and Project Setup:

  • Access the Nected interface and log in.
  • Initiate a new project specifically for building your credit scoring model.

2. Data Integration:

  • Import the relevant data for your model, including factors like payment history, credit utilization, and business history.

3. Rule-Based Model Creation:

  • Define rules using Nected's intuitive interface. These rules will consider the imported data points to assess creditworthiness.
  • No coding expertise is required, making the process accessible to users with various skill sets.
  • Customize the rules to fit the specific needs of risk analysis.

4. Testing and Refinement:

  • Evaluate the model's accuracy within Nected.
  • Ensure it effectively predicts credit risk and provides valuable insights for businesses.
  • Refine the model based on the test results to improve its performance.

5. Deployment and Use:

  • Once satisfied, seamlessly deploy your model through Nected.
  • Risk Analysts can now easily access and utilize your credit scoring tool to gain valuable insights into their financial health.

Quick Comparison: SAS vs. Nected

This blog explores the changing landscape of credit scoring, comparing established solutions like SAS Credit Scoring with newer, innovative options like Nected.


SAS Credit Scoring



Powerful tool for developing and managing credit scorecards

Modern, adaptable, and user-friendly


May lack adaptability to evolving markets

Designed to adapt to changing market dynamics

Ease of Use

Interface might be less intuitive

Intuitive interface for enhanced productivity

Resource Investment

Requires significant time and resources

Streamlined approach minimizes resource investment

Decision Engine    

Advanced, processes diverse data sources with AI and machine learning for real-time, actionable insights

Evolving decision engine with capabilities for real-time analysis and future-proof adaptability

Data Integration & Analysis

Enhanced capabilities for personalized customer profiles and tailored marketing/support

Streamlined data integration with potential for future expansion in advanced analytics analysis.

As you can see from the above comparison table, Nected surpasses SAS credit scoring in several technical aspects. In the following section, you'll learn how Nected stands out in the credit scoring domain with its low-code/no-code rule-based approach.

Why Nected Stands Out in Credit Scoring

Nected emerges as a strong contender in the credit scoring landscape, surpassing SAS Credit Scoring and open-source alternatives for several key reasons:

1. Enhanced Performance and Scalability: Nected boasts superior performance and scalability compared to competitors. Its advanced decision engine, real-time processing, and robust data integration enable faster, more accurate credit decisions, leading to reduced risks and improved business results.

2. Comprehensive Support and Maintenance: Unlike some open-source options, Nected offers dedicated support and maintenance services, ensuring users receive timely assistance whenever needed. This comprehensive support enhances user experience and guarantees the smooth operation of the credit scoring system.

3. Prioritized Security and Compliance: Nected prioritizes data security and compliance by implementing robust measures to safeguard sensitive information throughout the decision-making process. This focus on security and adherence to regulations provides users with peace of mind regarding data protection.

Building vs. Buying: A Effective Approach to Credit Scoring

Choosing the right approach for credit scoring hinges on maximizing return on investment (ROI) and cost-effectiveness. While building a rule engine in-house may appear economical due to initial control, hidden costs like developer salaries, ongoing maintenance, and infrastructure can quickly erode its appeal.

Nected, on the other hand, offers a ready-to-use solution, eliminating the need for extensive development and associated expenses. Its advanced features and capabilities streamline decision management, accelerate time-to-market, and boost operational efficiency. Furthermore, comprehensive support ensures the system stays optimized, minimizing maintenance burdens.

Cost-Effective Choice: Nected vs. SAS Credit Scoring

1. Cost: Nected's subscription model eliminates upfront licensing fees and often boasts lower overall costs compared to SAS Credit Scoring's licensing and implementation fees.

2. Maintenance: Nected handles automatic updates and maintenance, reducing burden on internal IT teams compared to SAS Credit Scoring's manual updates.

3. Accessibility: Nected empowers non-technical users, minimizing reliance on IT and saving time and resources.

Nected appears more cost-effective, flexible, and accessible, making it a strong contender in the credit scoring landscape.

Book a call with us and explore how Nected can transform your organization.

The Future of Credit Scoring: Choosing Nected

In today's dynamic financial landscape, organizations require adaptable and efficient credit scoring solutions. While traditional options like SAS Credit Scoring offer established functionalities, Nected emerges as a compelling alternative, addressing key limitations and exceeding expectations.

Nected's superior performance and scalability, combined with its cost-effective subscription model and minimal maintenance requirements, translate to significant cost savings and improved ROI. Furthermore, its user-friendly interface empowers non-technical users, fostering organizational agility and independence. By prioritizing security, compliance, and real-time decision-making, Nected positions itself as a future-proof solution, empowering organizations to make informed credit decisions with confidence.


Q1.What factors are used in credit scoring?

A. Common factors include payment history, credit utilization ratio, length of credit history, credit inquiries, and public records.

Q2. Who is SAS Credit Scoring suitable for?

A. Large financial institutions and organizations with complex credit scoring requirements and the resources to support their implementation.

Q.3 Are there alternatives to SAS Credit Scoring?

A. Yes, several alternative solutions exist, including cloud-based platforms like Nected, which offer easier use, faster development, and potentially lower costs for specific use cases.

Prabhat Gupta

Prabhat Gupta

Co-founder Nected
Co-founded TravelTriangle in 2011 and made it India’s leading holiday marketplace. Product, Tech & Growth Guy.

Prabhat Gupta is the Co-founder of Nected and an IITG CSE 2008 graduate. While before Nected he Co-founded TravelTriangle, where he scaled the team to 800+, achieving 8M+ monthly traffic and $150M+ annual sales, establishing it as a leading holiday marketplace in India. Prabhat led business operations and product development, managing a 100+ product & tech team and developing secure, scalable systems. He also implemented experimentation processes to run 80+ parallel experiments monthly with a lean team.

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