Run your application fraud decisions in one place
You pay for fraud vendors, keep confirmed fraud in a spreadsheet, and wait on engineering for rule changes. Decisimo brings vendors, your list and rules into one place.
Application fraud creates losses that arrive late
Stolen or invented identities
Applicants who are not who they say
First-party fraud
Some people never meant to repay
Shared device or phone
Several applications share one identifier
Late loss
It reads as a default months later
Confirmed fraud records
The rules cannot read the spreadsheet
Vendor outage
Applications stop or pass unchecked
The application fraud process from application to release
Application arrives
Connected vendors queried
Confirmed fraud check
Rules decide outcomes
Analyst reviews referral
Analyst updates list
Replay and release
The vendors and rules decide together
- HTTP API sourcesSeveral providers can be called at once
- Plain reasonsThe team defines what each response means
- Failed callsRules read the error and choose the outcome
Your confirmed fraud, read by every decision
- Field-by-field matchesThe decision knows which details matched on one record
- Reasons and expiryAn analyst adds entries or removes them with a reason
- Own databaseThe lender's Postgres holds each entry
A rule change replayed against the past before it goes live
- Revision historyEvery save creates a revision, and two can be compared
- Backtest datesArchived decisions use the list from each date
- Release sign-offAn endpoint can require sign-off before deployment
A referral reaches an analyst with what the rules saw
- Case queueA role's queue receives the referral as a case
- Review evidenceRuns and evidence sit beside the analyst
- Versions and authorThe case records what was shown and who replied
Who does what in the fraud team, week to week
- Rule changesThe team edits them with no code
- Decision recordsA table in the lender's Postgres holds each input and output
- Cached lookupsA repeat uses the lender's cache, so the provider is not called
What stays with the lender and its vendors
- Chosen vendorsThe lender chooses and pays for the data sources
- Own fraud listThe confirmed-fraud list belongs to the lender
- Lender's rulesThe result follows the lender's decision logic
Questions we get asked
What is fraud decisioning?
Fraud decisioning combines application data and fraud-provider results to decide whether an application passes, is referred or is declined. Decisimo runs those rules, the lender's confirmed-fraud list and analyst referrals in one decision flow.
What happens when a fraud vendor is down?
A failed call carries an error and HTTP status, and the decision flow continues. See failure handling
Does Decisimo provide fraud data or a shared blocklist?
Decisimo provides no fraud data or shared blocklist. The lender chooses and pays its vendors and brings its own confirmed-fraud list.