“In 2019, just five years after Ant Financial Services Group was launched, the numbers of consumers using its services passed one billion mark. Ant Financial Service provides variety of services including, consumer lending, money market funds, wealth management, health insurance, credit-rating services, and even an online game that encourages people to reduce their carbon footprint.

Unlike traditional banks, Ant Financial is built on a digital core, there are no workers in its critical path of operating activities. There is no manager approving loans, no employee providing financial advice, no representative authoritative authorizing consumer medical expenses. And without any operating constraints that limit traditional firms, Ant Financial can compete in unprecedented ways and achieve unbridled growth and impact across variety of industries. (1)

Ant Financial Services Groups utilizes the variety of decision and automation technologies to achieve the success across the wide range of services and products. Important to note, it is not only one technology involved in these this kind of digital business, but an augmentation and orchestration of multiple technologies to put an end-to-end decision automation at the core of the digital business.

What is Digital Decisioning?

Digital Decisioning is the technological approach to utilize multiple tools and techniques alongside which complement each other to deliver the massive business value to organizations in an automated manner.

At the very core of this approach is the end-to-end decision automation powered by the Decision-Centric Approach® that enables systems, to take optimized, customer-centric, situation aware decisions.


Digital decisioning will share the core intelligence of the digital business. When a decision is needed in any applications, processes or even staff, they will go to the “core intelligence” to find the answers.

Digital decisioning will bring together multiple techniques and technologies using the Decision-Centric Approach® as the “core intelligence” is the brain of the organization and its main responsibility is taking decisions after all. Therefore, a digital business that is empowered with a digital decisioning platform such as Advanced Decision Management Suite is the manifestation of digitized, decision-centric organization.

Why should you care?

Now more than ever it has become obvious to everyone that business situation is not the same as yesterday and will not be the same as today. Change and uncertainty are an inevitable part of every business. To be able to not only survive but thrive and lead, businesses need to adapt to changing market dynamics, regulations and policies as well as utilizing the data and information systems to enable better engagement with consumers and customers and increase the lifetime value of customers.

The traditional operating model for organizations cannot simply deal with constant and frequent changes that are forced to organizations from both internal and external perspectives. In the traditional operating model's scale will reach a point of diminishing returns, meaning the profits and benefits gained is less than the amount of investment. This is generally because of inefficiencies and overheads of the traditional model to scale.

The New Operating Model

The new model should utilize a form of digital decisioning solution used by decision-centric organizations to empower them to adapt to changes effectively and efficiently. In this new operating model, businesses will break the barrier of scaling. In this model, there are significantly less inefficient and manual decision-making processes, automated tasks and workflows. Most if not all decisions within the tasks and workflows are taken in the core intelligence of the digital business using an end-to-end decision automation. Therefore, by design, they are consistent and optimized across all the channels. Once this new operating model is running, it will deliver far greater business values and quickly overtake the organizations running on the traditional model.

(1) Harvard business review Jan-Feb 2020

Last updated February 9th, 2023 at 02:47 pm, Published May 14th, 2020 at 02:47 pm