Unity Infotech

What is CDSS Pro?

Consumers are the profit deciding factor of any business and so are customer credit score and payment behaviours to banks and financial organisations. In UAE, Al Etihad Credit Bureau (AECB), an entity established by the UAE’s Ministry of Finance mandatorily requires all banks, financial institutions, and other creditors submit their credit information on a periodic basis for individuals and corporate. In turn the bureau provides these institutions with credit scoring, credit report and other value added services helping them to promptly and accurately assess the credit worthiness before providing any kind of financial facility to their customers.

CDSS Pro helps the financial institutions to collate various information like credit rating of individuals and corporate from their legacy applications seamlessly. Once data is collated, CDSS Pro validates and formulates the AECB data format which is sent to AECB automatically. The entire Credit data submission process is fully automated with minimal manual intervention. CDSS Pro comes with inbuilt adaptors which can be enabled to integrate with any backend application through database adaptors file exchange, APIs etc. The Credit Scoring solution has been implemented in many large banks in UAE.

Why CDSS Pro is the best solution for your business?

  • Fully automated Credit Rating system with data validation and messaging features
  • Seamless integration of AECB  Income data with all your legacy systems
  • Better business decision based on Credit worthiness, reducing risky lending decisions
  • Automated processing of files received from Core banking system
  • Scheduler for automated creation of various Credit Bureau files
  • Automated SFTP (push & pull) of files
  • Validation engine to ensure correctness & consistency of AECB  data
  • Service to check & send only the corrected data for error items as Mode=C
  • Options to send in periodic & correction of Credit data submission
  • Loosely coupled engine to accommodate the envisioned changes
  • Mapping maintenance available to map & maintain the codes as per Core System & Central bank

Renovate your credit system with CDSS Pro!


With a decade of experience serving as the trusted strategic partner for banks and financial institutions of all sizes, we are renowned for our innovative and user friendly financial solutions.We are headquartered in Dubai, with our research and development centre in India and support centre in Bahrain. We help our clients to stay ahead of emerging business trends and outperform the competition by simplifying their systems and business processes. We empower businesses with payment solutions, IT staffing services, software consulting services and more. Our clients include multinational banks, mid-sized financial organizations, government entities, exchange houses and many big nonbanking financial institutions.

Changing trends in the financial industry, evolving business models, technological innovation and modified regulations are some of the challenges that banks and financial institutions, face today. Accordingly, their customers also demand a personalised experience to interact and transact. Our experience gives our clients a distinct advantage. Established in 2009, Unity has many financial products developed and implemented successfully to its credit, by thoroughly understanding the present and forthcoming industry regulations. Our solutions for payments are mission-critical. Many of the banks, finance and exchange houses across the Middle East relay on our highly scalable software solutions which offer seamless integration.

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