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Use Case

Complex Case Decisioning

360° view that unifies data and scores with AI.

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<5 min
Average Review Time
89%
Faster Decisions
110 hrs
Saved Monthly
360°
Customer View
Holistic Case Intelligence

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.

Multi-source data aggregation
Real-time credit & open banking
Document & evidence capture
Customer-validated inputs

Score

AI scorecards with configurable rules.

Configurable rule engine
Risk scoring & weighting
1,000s of enrichment flags
Regulatory compliance checks

Decide

See the issue, evidence and next steps.

Automated case recommendations
Evidence-based override paths
AI-assisted Q&A on case data
Audit trail for every decision
Intelligent Workflow

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.

Pre-decisioned cases with all data attached
Customer engagement completed before handoff
Automated data collection and scoring
Underwriter focuses on decision, not admin
Case #4821 — Readiness Check
Application DataComplete
Open Banking (3 accounts)Connected
Credit FileRetrieved
Affordability AssessmentPass
Scorecard ResultRefer — Income Query
Case StatusReady for Review

AI-Assisted Review

AI-driven platform lets underwriters ask natural language questions, cross-reference sources and highlight anomalies instantly.

Natural language queries on case data
Cross-reference multiple data sources instantly
Highlight anomalies and risk flags automatically
Summarise case evidence in seconds
AI Case Assistant
Does the applicant’s income match their credit file?
Open banking shows average monthly income of £2,450. Credit file declared income is £2,400. These are consistent within 2.1%. Match
Any gambling activity in the last 6 months?
No gambling transactions detected across any connected accounts in the past 6 months. Clear

Request Additional Information

Request evidence directly from case view without switching tools. Open banking, refreshes, uploads and signing within platform.

Request Open Banking connections
Update credit data in real-time
Request payslips, bank statements or other evidence
Send contracts for e-signature
Request Additional Information
Pending Request
Payslip upload requested · Sent to customer via SMS · Awaiting response
Operational Impact

Scale Without Growing Headcount

Automation across lending, payments and collections eliminates bottlenecks and scales without headcount.

Lending Throughput

Reduce effort with automation.

DD Mandates STP Loan Creation

Payments & Collections

Single-action payment runs.

Payment Runs Returns Reconciliation

Mandate Lifecycle

Full direct debit lifecycle management.

Reactivation Schedules Payment Holidays
Flexible Integration

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.

Case Studies

Proven Results

See how lenders transform case decisioning—cutting time and improving outcomes.

NE First Credit Union
NE First Credit Union
Supporting at-risk borrowers
89%
Faster Reviews
60%
Auto-Decline
75%
Fewer Missed Pmts

Review times dropped from 45 minutes to under 5. Combined credit, performance and open banking data gives instant clarity.

Read the case study
GMB Credit Union
GMB Credit Union
Eliminating manual processes
110 hrs
Saved Monthly
1 FTE
Equivalent Savings
85 hrs
Lending Automation

Automated lending, payments, collections and direct debit management — growth without headcount.

Read the case study
Who Benefits

Built 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.

Ready to Transform Your Case Decisioning?

See how 360° view and AI cut review times.

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