The number of dimensions required will depend upon what you are trying to accomplish.  In some cases only one variable is needed to obtain the desired result.  For example, the Tier, or risk level, is often dependent on one factor – a credit score.  Such cases are best managed by a Single-Dimension (1D) Matrix.

 

A dual-score approach is sometimes used to determine the decision.  And a credit score and Gross Monthly Income are often used together  to assign the loan amount.  Both of these require a Two-Dimensional (2D) Matrix.  At times, a Three-Dimensional (3D) Matrix is useful, but there are alternatives (see FAQ: Should I use a 3D Matrix?).

 

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