Decide the case the bureau can't see.
We pull your scattered data into one enriched layer, then run it through weighted scores and knockout rules to a clear, explainable outcome: pass, refer or decline. Every decision shows its reasons.
Member Loan · All
One data layer. One logical decision.
Disparate sources become a single enriched view, then a transparent decision tree turns it into an answer you can defend.
Unify
Bring bureau, open banking, KYC and income into one view, deduped and matched to a single applicant.
Enrich
Derive the signals that actually predict risk, not just raw fields. Affordability, stability and conduct, ready to score.
Weighted scoring
Each factor contributes a transparent weight you set, not a fixed model. Tune the policy as your book changes.
Knockout rules
Hard policy gates applied before scoring, so non-starters never reach a human reviewer.
Explainable result
Every outcome shows the factors and rules behind it, ready for audit, appeal and regulator.
Pass. Review. Fail.
One clear outcome per case, with the reasons attached, so your team only looks at the cases that genuinely need a human.
Unify. Score. Decide.
Disperse data unified into a single scored view, instant clarity on issues, evidence and actions.
Unify
Bring together all data into one view.
Score
AI scorecards with configurable rules.
Decide
See the issue, evidence and next steps.
Three Pillars of Case Readiness
Cases arrive with all work done. Data is collected, scored and ready.
Case Readiness
Before underwriter, data is captured and scored. Open banking and credit files retrieved. Underwriter delivers decision.
AI-Assisted Review
AI-driven platform lets underwriters ask natural language questions, cross-reference sources and highlight anomalies instantly.
Request Additional Information
Request evidence directly from case view without switching tools. Open banking, refreshes, uploads and signing within platform.
Scale Without Growing Headcount
Automation across lending, payments and collections eliminates bottlenecks and scales without headcount.
Lending Throughput
Reduce effort with automation.
Payments & Collections
Single-action payment runs.
Mandate Lifecycle
Full direct debit lifecycle management.
Access Decisioning Your Way
White-label console, embeddable module, raw API data, reports.
White-Label Console
A branded case management interface with queues, filters and full case views.
Embeddable Module
SSO-enabled widgets you can embed directly into Salesforce, Dynamics or your own platform.
REST API + Webhooks
Full JSON data via webhooks, case decisions, scores and evidence delivered in real-time.
PDF & Reports
Auto-generated case summaries and decision reports as downloadable PDFs.
Proven Results
See how lenders transform case decisioning-cutting time and improving outcomes.
Review times dropped from 45 minutes to under 5. Combined credit, performance and open banking data gives instant clarity.
Read the case study
Automated lending, payments, collections and direct debit management, growth without headcount.
Read the case studyBuilt for Every Stakeholder
Delivers value across lending operations.
Underwriters
Cases arrive pre-scored with evidence.
Credit Risk
Configurable scorecards with thousands of enrichment flags feeding risk models. 75% fewer missed payments.
Operations
110 hours saved per month. Automated case routing, document collection and signing free teams to scale.
Automation that holds up on the cases you actually refer
85%+ of decisions are made end to end. The human moves to the complex edge, never out of the loop, and never into the middle of it.
The human moves to the edge of the spectrum, never out of it, and never into the middle of it.
One product, wired into the whole platform
Buy Decisioning Engine on its own, prove it, extend. It runs on the Decisioning Agent, sits in the Decide module, and grows into the next step of the journey.
Bureau data and open banking, corroborated into one view.
Ready to Transform Your Case Decisioning?
See how 360° view and AI cut review times.