Articles

  • Build a Loan Application Demo with Retool and Decisimo

    Build a loan application demo that automates underwriting with Retool and Decisimo decision logic. Import the Consumer Lending template in Retool and capture application data. Set up Decisimo endpoints, rulesets, and decision tables, deploy the flow, and update the Retool query.

    Published on:: 2024-08-10 18:38:24

  • 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.

    Published on:: 2024-08-10 18:38:12

  • How Rule Engines Improve Insurance Operations

    Rule engines use explicit decision logic to automate underwriting, pricing, claims, and risk workflows. This article explains how automation improves consistency, reduces processing time, and strengthens risk controls across insurers.

    Published on:: 2024-08-10 18:38:12

  • 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.

    Published on:: 2024-08-10 18:38:12

  • 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.

    Published on:: 2024-08-10 18:37:05

  • 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.

    Published on:: 2024-08-10 18:37:05

  • 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.

    Published on:: 2024-08-10 18:37:05

  • Automating Business Lending Approval with Retool and Decisimo

    This guide shows how to connect Retool and Decisimo to automate business lending approvals. It covers setting up a Decisimo endpoint, building a Retool application form, calling the decision API, storing the result, and showing the outcome to the user.

    Published on:: 2024-08-10 18:37:05

  • 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 workflow.

    Published on:: 2024-08-10 18:37:05

  • 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.

    Published on:: 2024-08-10 18:37:05