Decisioning & Scoring
Credit Decisioning Engine
A configurable, production-ready credit decisioning system — with full policy governance built in from the start.
Most lenders and fintechs reach a point where their decisioning logic has outgrown the system it runs on. Rules are hardcoded. Policy changes require developer involvement. Nobody can explain a specific decision to a regulator. And there's no safe way to test a new policy before it goes live.
- Decision flow, decision tree, and decision matrix configuration
- Scorecard integration and threshold management
- Decision explainability — structured output for every decision
- Champion/challenger framework for continuous policy improvement
- Version control with policy diff — full audit trail of every change
- Controlled deployment pipeline — staging, approval, and rollback
- API layer for score and decision delivery to downstream systems
- Role-based access — business users own policy, engineers own infrastructure
Delivered on: Opadeez platform
Relevant for: Lenders, digital banks, fintechs, credit bureaus
Engagement: Fixed scope or phased delivery
Onboarding & Digital Identity
Onboarding Module
End-to-end digital onboarding — from initial application to account opening — as a single integrated workflow.
Digital onboarding built from point solutions creates friction, drop-off, and compliance gaps. eKYC here, document check there, manual review bolted on — with no single audit trail and no visibility into where applicants are lost.
- Application intake and data capture workflow
- eKYC and identity verification integration (Monnai, Veriff, or equivalent)
- Document collection, classification, and verification routing
- Fraud screening integration (configurable per risk tier)
- Credit assessment step — bureau pull, scoring, and decisioning
- Auto-approval, referral, and decline routing
- Operator review queue with SLA tracking and escalation
- Full audit trail — every step logged with timestamps and decision outcomes
Delivered on: Opadeez platform
Relevant for: Banks, digital banks, fintechs, payment providers, lenders
Engagement: Fixed scope — typically 4–8 weeks to first deployment
Onboarding & Digital Identity
Fraud Review Portal
A fraud operations platform — transaction monitoring, case management, and operator dashboards in one system.
Fraud teams working from spreadsheets, disconnected alert feeds, and manual case notes can't scale. Cases get lost. Response times slip. And there's no audit trail when a regulator asks what happened.
- Transaction monitoring and alert ingestion
- Case management — creation, assignment, escalation, resolution
- Operator dashboard — real-time queue view, SLA indicators, case history
- Mule account detection workflow
- Integration with digital identity and fraud scoring providers (Monnai, Kount, or equivalent)
- Bureau data pull for enhanced due diligence (CTOS or equivalent)
- Reporting — case volumes, resolution rates, false positive tracking
- Role-based access for analysts, supervisors, and compliance teams
Delivered on: Opadeez platform
Relevant for: Banks, digital banks, payment providers, fintechs
Engagement: Fixed scope — live demo available
Onboarding & Digital Identity
KYC Workflow
Structured KYC — document collection, verification routing, and risk scoring for onboarding and periodic review.
KYC processes that rely on email chains, shared drives, and manual checklists create compliance risk and operational drag. Periodic review cycles are missed. There's no consistent record of what was collected, when, and by whom.
- Customer and entity data capture
- Document collection with type classification and completeness validation
- Verification routing — auto-approve, manual review, or escalate based on risk score
- Risk scoring integration — configurable rules and thresholds
- Periodic review scheduling and automated reminders
- Full audit trail — document versions, review history, decision log
- Reporting — KYC status by segment, overdue reviews, exception tracking
Delivered on: Opadeez platform
Relevant for: Banks, lenders, fintechs, regulated financial institutions
Engagement: Fixed scope or integrated with Onboarding Module
Decisioning & Scoring
Referral Management
Application routing, escalation handling, and SLA tracking for credit and onboarding workflows.
Applications that can't be auto-approved fall into a black hole — routed by email, tracked in spreadsheets, with no visibility into status, no SLA enforcement, and no audit trail. Customers wait. Staff duplicate effort. Decisions get lost.
- Referral queue management — inbound routing by product, risk tier, or rule outcome
- Case assignment and workload distribution
- SLA timers with escalation triggers
- Decision capture — approve, decline, pend, request information
- Customer communication triggers (configurable)
- Management dashboard — queue depth, SLA compliance, decision outcomes
- Full audit trail — every action logged with user, timestamp, and rationale
Delivered on: Opadeez platform
Relevant for: Lenders, banks, fintechs — any institution with manual review steps
Engagement: Standalone or integrated with Credit Decisioning Engine or Onboarding Module
Decisioning & Scoring
Bureau Orchestration Layer
A single integration point for multi-bureau data — with caching, normalisation, and fallback logic built in.
Direct bureau integrations are expensive to build, fragile to maintain, and costly to run. Multiple bureau environments multiply the problem. And when a bureau goes down, the decisioning system goes with it.
- Multi-bureau integration (CTOS, CCRIS, or equivalent — configurable per market)
- Response normalisation — consistent data model regardless of bureau source
- Intelligent caching — reduce bureau costs by reusing recent pulls within configurable windows
- Fallback logic — automatic failover to secondary bureau if primary is unavailable
- Consent and audit trail — every bureau pull logged with purpose and timestamp
- API gateway — single endpoint for downstream decisioning systems
- Monitoring — hit rates, response times, error rates, cost tracking
Delivered on: API layer, container-native
Relevant for: Lenders, digital banks, credit bureaus, fintechs in multi-bureau markets
Engagement: Fixed scope — typically 3–6 weeks
