The report further describes “Business Rules Platforms Innovation” and the “demand for products that empower business experts to minimize developer involvement” mentioning “the financial-services specialist CRIF”, among other non-financial services vendors, as having a “most-aggressive approach” to “business-expert authoring”, meaning when a business user “defines complex logic” such as “decision tables, decision flows, decision trees, and scorecards”. CRIF is also cited among other non-financial services vendors as having “business rules as part of their business process management (BPM) suites — CRIF (CreditFlow).”