Articles
Integrating Fingerprint.com Device Fingerprinting with Decisimo
This guide shows how to connect Fingerprint.com device fingerprinting with Decisimo. It walks through setup, API keys, and JavaScript implementation, then shows how to use the visitor_id in your decision logic to support fraud checks and device recognition.
Pwned email results guide application and login decisions
A breach match is evidence about an email address, not a verdict on an applicant. Learn how to read the breach type and date, assess address history, and set different rules for onboarding and login.
Improving Insurance Underwriting: Behavioral Patterns and Actuarial Tables
This article explains how combining behavioral pattern analysis with actuarial tables improves underwriting and policy pricing. It shows how rule engines and decision logic turn telematics and health signals into precise risk scores.
How a rating engine turns an application into a premium
A premium is an ordered calculation, and moving a discount, fee, minimum or rounding step can change the price. The worked home policy shows how the sequence affects the result, where referrals and effective dates fit, and how to test a rate change before release.
How to Streamline Insurance Policy Management with Policy Administration Software and Rule Engine
Policy administration software centralizes policy lifecycle tasks. It handles creation, underwriting, rating, billing, and compliance, so insurers can automate routine work. A rule engine captures decision logic to validate data, calculate premiums, automate underwriting, and produce auditable decision traces.
7 Steps to Replace Manual Underwriting with Automated Decision Logic
A practical guide to move from manual reviews to deterministic, auditable credit decisions. Document decision rules, choose a rule engine, and deploy.
Alternative data for credit scoring
Fintechs adopted alternative data for credit scoring first. Banks are now catching up. This article explains how alternative data can act as a proxy for credit history, and where that proxy fails: spurious correlations, seasonal effects, and weak causality. It also covers legal and discrimination risks, and the engineering work needed to turn unstructured signals into reliable AI and ML decision logic.
Anti-fraud decision logic for consumer lending / BNPL
After eligibility checks, add anti-fraud rules to the same decision flow. For consumer lending and BNPL, combine KYC verification with velocity, volatility, and concentration/networking controls to stop fraud early. This article explains four rule types (veracity, volatility, velocity, concentration/networking), which signals and data points to cross-check, and practical steps to add these checks to your decision flow to detect synthetic identities and suspicious application patterns.
Consumer Lending Hub | Decisimo
Consumer lending depends on decisions. This hub covers the main decision areas in lending, from anti-fraud and underwriting to credit limits, portfolio management, analytics, and debt recovery. It also shows how a decision engine can automate each part of the process.
Setting up eligibility rules in credit lending
Eligibility rules are the first layer in any credit decision flow, whether you offer consumer loans or BNPL. This article explains how to set a clear baseline, from regulatory checks like age and debt-to-income ratio to business-specific criteria such as employment history, credit score, and prior lending history with you. It also shows why these rules should be designed with later fraud monitoring in mind.