FDM.5:1 - Problem frame

A scoring team can improve predictive accuracy while leaving lending decisions unchanged. An admission tool can produce accurate client information while a separate arrangement determines permission to use a service. A payment provider can complete its own processing while the recipient still lacks usable funds.

Each output can be useful. Its contribution depends on a receiving participant, an actual or proposed use and the financial result that use can affect. The tool developer, decision maker, service provider and beneficiary need not be the same participant.