These are times that try bank balance sheets - and test their credit scoring abilities. But adapting to new economic realities can be difficult if the scoring formulas are hard-wired into a legacy database system.

To make it easier, faster and cheaper to create custom scorecards, Dallas-based GDS Link, LLC has come out with DataView360, which uses Web services instead of traditional software, deploys quickly - and costs as little as a tenth of traditional scorecard systems.

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