to identify a high proportion of account holders or applicants for business who exhibit the characteristics which indicate that they would be willing to abuse the relationship with the financial institution;
to do this without reference to:
name
colour
race
religion
place of origin
place of residence
transaction history
using easy to collect data;
to process that data quickly and easily;
to provide the processing facility for the institution, without recourse to outside processing;
to produce a Risk Value in a simple-to-understand format;
at a price that could be afforded by financial services businesses in developing countries;
to work "out of the box" and produce results immediately;
no or minimal user training
