Mellon Bank Corp. is installing a system that uses artificial intelligence to support its consumer-lending decisions. The Pittsburgh-based super-regional is implementing the system which combines rule-based models, statistical scoring, and neural networks to supplement its own automated in-house underwriting and decision support and credit-scoring operation.

The hybrid system, supplied by HNC Software Inc., will be used in Mellon's secondary-loan area to aid in evaluating secured and unsecured consumer-lending decisions.

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