A business rules engine for lending decisions

Rules in application code make each change a ticket, review and deployment. Decisimo puts lending rules in readable rule sets and tables your application calls at an endpoint.

Start free See a rule change

One rule change, from editor to endpoint

  1. Edit the rule set

  2. Map score ranges

  3. Join the decision flow

  4. Rerun saved tests

  5. Compare past decisions

  6. Deploy the release

  7. Call the endpoint

If-then rules the analyst can read

  • Nested conditionsRules match all or any, with groups joined by AND or OR
  • Value checksCompare values, text, dates, empty fields and regular expressions
  • Ordered actionsMatching rules set values, calculate, add to lists or shift dates

Fraud rules

Application fraud rule set showing conditions and actions for an unavailable IP provider and multiple confirmed-fraud details
Application fraud rules refer on IP failure and decline on two confirmed-fraud matches. Five rules, two open, demo case.

Decision tables for ranges and cut-offs

  • Range conditionsCells can be ANY, a comparison or a range with open or closed ends
  • Row orderLast matching row wins by default, or the first if set
  • CSV and overlap checksCheck for overlapping rows, then import or export the table as CSV

Decision table guide

Score Cutoff decision table with Knocked out and Score conditions mapped to decline, refer, and approve results
Score Cutoff declines knock-outs and scores under 70, refers from 70 to 95, and approves at 95 or more, a demo case.

Rules, data and models in one decision flow

  • Joined decision flowJoin rule sets, tables, trees, scorecards, functions, models and data sources
  • JSON inputsRules read the JSON document, including results from earlier in the flow
  • Data source errorsA rule can read an error from a failed data source call

Rule engine architecture

Consumer Lending Decision flow connects Affordability, Knock-out rules, Risk Scorecard and Score Cutoff between Start and End
Consumer Lending Decision runs from Start through Affordability, Knock-out rules, Risk Scorecard and Score Cutoff to End in a demo.

Test a rule change before release

  • Revision historyCompare saved versions side by side, revert one, and compare releases
  • Saved testsRerun saved cases as regression tests for each rule set and table
  • Deployed releaseA release runs at an endpoint after it is deployed

Release testing

Rules over lists of transactions

  • Array rulesCheck each list item and apply the rule to every match
  • Data-flow rulesFilter, group and aggregate items, such as monthly amounts
  • List calculationsFind the max, min, count, sum, average or median

Questions we get asked

What is a business rules engine?

A business rules engine runs decision rules outside an application’s code and returns an outcome to the application. Decisimo runs rule sets, decision tables and other decision logic in a decision flow called through an API endpoint.

Can I change business rules without a developer?

An analyst can edit rules. Conditions use paths in the JSON document, and some rules use formula syntax or regular expressions.

Can a business rules engine handle insurance claims?

Decision flows can join rules and data for insurance and claims decisions. Insurance decisioning

Bring a rule from your application code

Start free