Articles

  • Detecting Round Tripping in SME Lending Transaction Analysis

    SME lending teams can now analyze transaction data without being a bank. Open Banking makes direct transaction access possible, and that changes credit underwriting.

    It also creates a fraud problem: round tripping. Borrowers may move money in and out to inflate revenue, and simple bank-statement checks miss the pattern.

    Published on:: 2026-04-24 09:20:41

  • How to Automate Factoring Approvals Without Losing Control

    Factoring approvals need 2 separate decisions. The first is whether the small company and the invoice are real. The second is whether the big company, the debtor, and the exposure fit your risk policy.

    Published on:: 2026-04-17 17:29:23

  • Using adverse media analysis in KYB and KYC workflows

    Adverse media checks catch risk that basic identity and sanctions screening can miss. The right workflow starts with fast flagging, then uses deeper analysis to separate real issues from false matches and unrelated names.

    Published on:: 2026-04-17 17:03:51

  • Why BNPL Changes the Economics of Consumer Finance

    Consumer finance has always depended on a simple idea: lend against something that creates value or preserves access to value. Buy now, pay later changes that model. It combines parts of installment lending, revolving credit, and merchant finance, but it also changes the risk profile, the economics, and the operating model.

    This article looks at consumer finance through the lens of business model design, credit risk, fraud risk, portfolio risk, operational risk, and return on capital.

    Published on:: 2026-04-12 18:32:51

  • Decision Tree vs Decision Table: When to Use Each

    Decision trees and decision tables solve the same problem in different forms. Both can express decision logic, and both can be translated into each other, but they are not equally useful for every job. The right choice depends on whether you need visual segmentation, compact lookup logic, or a structure that stays readable as rules change.

    Published on:: 2026-04-11 18:50:16

  • Why Decision Lineage Matters in Chained Decision Flows

    Decision flows are no longer single tables or isolated rulesets. They chain rules, third-party calls, segment splits, and model steps, which makes the final outcome harder to explain unless you track decision lineage at each step.

    Published on:: 2026-04-11 18:06:18

  • Merchant Risk Evaluation for BNPL and Consumer Lending

    Merchants sit at the front line of fraud in BNPL and point-of-sale financing. A scalable merchant risk process needs to separate what can be automated from what still needs human review, then keep monitoring after approval.

    Published on:: 2026-04-07 11:49:36

  • Private State Tokens in Online Antifraud: What They Change and Where They Fit

    Private State Tokens are a privacy-preserving signal for online trust. They can help separate real users from automated abuse without relying on traditional fingerprinting, which is getting harder to use as browsers tighten privacy controls.

    Published on:: 2026-04-06 12:35:06

  • How to Import a Trained Model into a Decision Flow

    To use a trained model in Decisimo, first package it, then define how the engine should call it. The key is simple. The model must accept the right inputs, in the right order, with the right data types, so its predictions can feed the next step in your decision flow.

    Published on:: 2026-04-06 11:13:58

  • Deployment of Risk Management Decision Engines in Consumer Lending

    Consumer lending decision engines need a clear rule order, flexible control, and full traceability. This article explains how to structure decision logic so teams can manage risk, save cost, and adapt quickly as data changes.

    Published on:: 2026-04-06 11:00:37