The whole risk department, run by humans, AI and deterministic playbooks

A rule refers an application to a case, where an AI task extracts document details for an underwriter to review.

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Decisimo Sphere
Credit decisioning
Fraud decisioning
Collections decisioning
Case work

Full-cycle analytics and decisioning suite from application to collections

Credit decisioning

Credit decisioning software runs your credit policy as one decision flow. Test changes on past decisions and follow an application to its outcome and reason.

Fraud decisioning

Decisimo queries connected fraud vendors together, checks each application against the lender's confirmed-fraud list and returns an outcome with a reason.

Collections decisioning

Edit collections treatments in a decision table and track promise-to-pay follow-up on each account’s case. Cases wake after 72 hours with no payment.

Case work

Case work for decisions that take days or weeks. AI, APIs, decision logic and people work the same case file as evidence arrives.

From written policy to a decision your system receives

  1. Write the policy

    Write rule sets, decision tables, scorecards and functions, or upload a PDF or Excel file for the assistant to propose them.

  2. Test the policy

    Test parts with chosen inputs, then run current and proposed policies on the same applications to see which decisions change.

  3. Release the policy

    Release it with sign-off by roles when the endpoint requires one; the lender's system keeps the same URL.

  4. Receive the decision

    Your system sends a JSON document and receives the decision and reason in the same call; data sources run in parallel.

  5. Keep the record

    Input and output can be written to the lender's Postgres; decisions waiting for documents or a person are worked as cases.

Industries Decisimo is built for

Consumer Lending

Consumer Lending

Applications, limits and collections follow the policy, with referrals to a person.
SME Lending

SME Lending

One flow decides cash-flow facilities; larger commercial credit is worked as a case.
Embedded Finance

Embedded Finance

At partner checkout, the lender's policy decides which financing a customer is offered.
Insurance Tech

Insurance Tech

Underwriting is decided in one call; claims are worked as cases as reports arrive.

The assistant proposes. Your team decides.

Upload the policy as PDF or Excel, or paste it. The assistant proposes rules, tables and scorecards. The team sees each proposal as a difference and applies it; nothing runs until it is released.

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What to read next

Decision engine

Keep decision input and output in your database and run a proposed change over past decisions.

Business rules engine

See how a risk analyst reads and changes rule sets and decision tables.

Credit policy management

Turn a credit policy document into a decision flow with proposed rules, tables and scorecards.

Automated underwriting

The policy decides clear applications and sends the rest to an underwriter as a case.

Simple, usage-based pricing

From € 500 per month with 50,000 decisions included, then € 0.01 per additional decision. Unlimited rules, models and users. Free trial, no credit card needed.

Questions we get asked

What is a credit decision engine?

A credit decision engine is software that runs a lender's credit policy on each application and returns a decision. Decisimo lets the risk team write, test and release the policy itself.

What happens when the policy cannot decide an application?

The policy writes “refer” for an application it should not decide. The lender's system sends it to a case type's endpoint, and an underwriter works it from a role's inbox. The decision is posted back to the lender.

Start with the policy you have

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