Pegasystems PEGACPDC88V1 Exam - Topic 3 Question 16 Discussion

Actual exam question for Pegasystems's PEGACPDC88V1 exam

Question #: 16
Topic #: 3

U+ Bank wants to offer credit cards only to low-risk customers. The customers are divided into various risk segments from Good to Very Poor. The risk segmentation rules that the business provides use the Average Balance and the customer Credit Score.

As a decisioning architect, you decide to use a decision table and a decision strategy to accomplish this requirement in Pega Customer Decision Hub.

Using the decision table, which label is returned for a customer with a credit score of 240 and an average balance 35000?

AVery Poor

BGood

CFair

DPoor

Show Suggested Answer

Suggested Answer: C

Pega Customer Decision Hub is a dynamic and adaptive system that constantly reevaluates the Next-Best-Action for each customer based on their interactions and feedback. If a customer rejects an offer, the system will update the customer profile and the offer performance, and then reapply the Next-Best-Action strategy to select and prioritize another offer that is more relevant and valuable for the customer. Verified Reference: [Pega Decisioning Consultant | Pega Academy]

by Lili at Mar 16, 2024, 03:35 PM

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Erinn

6 months ago

Average balance of 35k still leads to Very Poor classification.

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Brianne

6 months ago

Wait, are we sure about that? Seems harsh.

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Glennis

6 months ago

I thought a higher balance could offset a low score?

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Myra

7 months ago

Definitely Very Poor! No doubt about it.

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Carmela

7 months ago

Credit score of 240 is really low.

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Alisha

7 months ago

I’m confused about how the average balance factors in, but I lean towards Very Poor since the credit score is so low.

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Lang

7 months ago

This question reminds me of a practice one where we had to categorize customers based on similar criteria. I think Very Poor is the right choice here.

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Larue

7 months ago

I’m not entirely sure, but I feel like the average balance might help a bit. Still, a score that low seems to outweigh it.

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Ahmed

8 months ago

I remember that a credit score of 240 is really low, so I think the label would be Very Poor.

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Maia

8 months ago

This seems like a good opportunity to demonstrate my understanding of decision tables and risk segmentation. I'll carefully review the criteria, map the customer details, and select the appropriate risk label.

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Lelia

8 months ago

I'm a little confused by the wording of the question. Is the decision table the only tool we're supposed to use, or do we also need to consider a decision strategy? I want to make sure I understand the full requirements before answering.

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Cortney

8 months ago

Okay, I've got this. With a credit score of 240 and an average balance of 35,000, the customer would fall into the "Very Poor" risk segment based on the decision table logic.

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Gilma

8 months ago

Hmm, I'm a bit unsure about this one. The decision table concept is familiar, but I'll need to think through how to apply it to the specific credit score and average balance thresholds.

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Adelina

8 months ago

This looks like a straightforward decision table problem. I'll carefully review the criteria and try to map the given customer details to the appropriate risk segment.

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Almeta

8 months ago

This seems like a classic caching problem. I'd probably go with Azure Cache for Redis to store the frequently accessed data and reduce the load on the SQL database.

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Salley

8 months ago

This is a good opportunity to demonstrate my understanding of container database audit policies. I'll carefully review each option and select the three that I'm most certain are true.

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Lyda

8 months ago

I definitely recall a question similar to this, and I think Hyperledger was presented as the correct answer then!

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Joaquin

8 months ago

I remember discussing QoS policies and how they help prioritize traffic. I think they're crucial during interface saturation, but I'm not completely sure.

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Allene

1 year ago

A credit score of 240? Ouch, that's lower than my GPA in college. I'm guessing the bank's not going to be handing out any platinum cards to this customer!

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Amos

11 months ago

No way, with a credit score of 240, they're definitely not in the Good segment.

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Kattie

11 months ago

B) Good

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Royce

11 months ago

That customer is definitely in the Very Poor segment.

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Emily

12 months ago

A) Very Poor

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Kandis

1 year ago

This is a classic case of using a decision table to determine risk segmentation. Based on the information given, D) Poor is the obvious answer. Piece of cake!

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Marva

11 months ago

D) Poor

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Jacquline

1 year ago

Ha! Trying to trick us, are they? A credit score of 240 and an average balance of 35,000 is definitely not 'Good'. I'm going with D) Poor, no doubt about it.

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Lucina

12 months ago

User 3: Agreed, D) Poor seems like the right label for that customer.

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Deeann

12 months ago

User 2: Yeah, those numbers don't sound like 'Good' to me either.

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Afton

1 year ago

User 1: I think it's D) Poor too.

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Shenika

1 year ago

Hmm, I'm not too sure about this one. The question doesn't provide much context on the exact risk segment thresholds. I'd have to double-check the decision table to be certain.

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Junita

11 months ago

The label returned for a customer with credit score 240 and average balance 35000 is 'Good'.

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Kizzy

12 months ago

I think the decision table would classify them as 'Good' based on those values.

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Dominque

1 year ago

Customer with credit score 240 and average balance 35000 falls under the 'Good' label.

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Marget

1 year ago

I think the label returned would be Very Poor because the customer has a low credit score and a high average balance.

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Tracey

1 year ago

With a credit score of 240 and an average balance of 35,000, I'd say the answer has to be D) Poor. The risk segmentation rules seem pretty straightforward here.

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