AI-powered FinTech & RegTech solution
Proven AI-powered with API & Cloud-ready solution
Market-leading AI solution with out-of-the box APIs, low-code development and flexible deployment option (cloud/on-prem/hybrid) to address risk and compliance challenges faced by financial institutions.
Product Excellence by our World-class Engineers
Our relentless commitment to product excellence by 100% local engineers and banking experts, enabling business users in control to design workflow, automate decision making, define ML Dev/Ops and optimize risk & revenue through AI
Achieve 90%+ STP in loan processing
Making optimal decisions in mere seconds by incorporating risk policies and risk calculation from multiple data sources, risk scoring, ML models and test strategies. Win your customers in providing best loan with controlled risk management.
Roll-out new products to market in days, not months
Business users with no experience in coding can create underwriting workflow from scratch to roll out new product, or use out-of-the box templates. iDecision rapid application development is low-code environment with API management and form generator – putting the control to business users.
Start new lending business from zero in 3 months
Complete suites of end-to-end credit cycle from underwriting, loan management to debt collection in one platform enables new financial institution to start lending business within 3 months.
Launch loan channelling & supply-chain financing
Remove the headache in processing loans from multiple channel partners with 100% automated systems in decisioning, loan billing reconciliation, buyback etc.
Similarly in SCF with multiple Risk Acceptance Criteria and covenants for principals, buyers and suppliers.
Upgrade core loan system to flexible digital lending scheme
Increase market share with innovative loan schemes, such as daily/weekly/monthly installment, grace period interest only, limit-based loan and many others, high volume processing capability and fully automated digital processes.
Meet regulatory compliance in inter-connected digital world
Financial institutions face a dual challenge: meeting regulatory compliance standards while safeguarding against evolving KYC & AML threats. Eliminate slow and resource-intensive processes which pose operational risks and suffer in customer experience.
Tackle fraudsters with AI-driven detection
Fraudsters keep evolving and new patterns arise every day. iDecision fraud module monitors transactions and can stop suspected fraud transaction in real-time to minimize fraud loss. With AI rules & models, achieve high detections with low false-positives.
One platform that does it all
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API
Customer Onboarding
Full-control to apply for a loan, manage the loan and receive relevant eligible products at the convenience of customers in their devices.
Loan Origination
Design underwriting process from scratch or use out-of-the box templates. Analyze bank statement and financial statement, generate credit approval form, define auto approve/reject at every application stage, set approval matrix, retrieve other data sources at ease.
Loan Management
Full-blown loan system for interest, charges, fees calculations, including loan maintenance for early payment, roll-over, restructuring, write-off , billing, and virtual account management. All parameterized with GUI to cater virtually all types of consumer & commercial loan terms.
Collection Management
Smart delinquent account queuing and prioritization with flexible & dynamic collection strategies: best time to call, who to contact first, which channel to use-powered by our AI decision engine.
Supply Chain
Manage principal's terms, risk acceptance, limit, covenant for all the suppliers and buyers connected to the principal. Seamless financing with automated decisioning and loan management.
KYC &CDD
White collar financial crime prevention against terrorist, illegal trafficker, sanctioned people / entities with continuous checking of new and existing customers against worldwide and local sanctioned lists.
Anti Money Laundering
Monitors transactions and stop suspected money-laundering transaction in real-time to meet regulatory compliance. Powerful data profiling, AI rules & models plays key roles in achieving high detections and low false-positives. Case management with link analysis for investigation.
Application Fraud
Analyzes loan applications for potential 3rd party frauds. POLE-driven mechanism to detect potential syndicated fraud and reject the loan before loan disbursement. Case management with link analysis for investigation.
Transaction Fraud
Monitors transactions and stop suspected fraud transaction in real-time to minimize fraud loss. Powerful data profiling, AI rules & models plays key roles in achieving high detections and low false-positives. Case management with link analysis for investigation.
Regulatory Reporting
Complying with standard regulatory reporting: CDD, LTKT, LTKM, etc. to regulatory bodies automatically.
Decision Engine
Decision flow with GUI editor to implement policy rules, risk calculation, scoring models, ML models in unlimited ways to optimize risk and reward. Make smart loan offerings to win customers. Roll-out challenger strategies every day/week/month to test new segment/product/policy.
Machine Learning
Datalis , automated ML tool, democratizes machine learning development to citizen data scientist/analyst. Fully-guided UI to build risk scorecards as well as machine learning models addressing collaboration, rapid model development & deployment, model document generation – all in minutes.
API
Embark on a new era of AI-powered lending and compliance solution to obtain better business outcomes. iDecision has helped banks, multifinance and insurance companies achieve their objectives with proven flexibility, advanced features and low total cost ownership.
  
