Higher application volumes shouldn’t lead to more overhead—or more risk. With Decisions, you control the logic behind every approval, adapting in real time and scaling operations without waiting on IT.
Highly Customizable: Use Decisions according to your unique business and automation needs.
Code-Free Design: Leverage drag-and-drop design to reduce work and increase productivity.
Existing System Optimization: Bridge the gap in legacy and existing system processing efficiency.
Stateless, Headless Use: Integrate Decisions as a stateless, headless solution, operating alongside existing systems.
LOS from Scratch: Leverage Decisions as the foundation to build an LOS from the ground up.
Launch New Products: Develop new loan products faster to beat the competition and increase customer satisfaction.
A top secured credit card provider replaced MeridianLink with Decisions to automate
and scale their entire credit card origination process. The results:
Over 100,000 applications
processed monthly with real-time decisioning
Reduced identity and risk check vendor costs by
nearly 75%
saving hundreds of thousands of dollars a year
Manual reviews
nearly eliminated
with tiered logic and risk-based routing
Enabled rapid subsequent product expansion
into hybrid and unsecured cards,
growing volume by 10X
without issue
Most platforms apply one-size-fits-all risk and ID checks—driving up costs, slowing down approvals, and triggering unnecessary manual reviews.
Decisions replaces blanket assessments with dynamic, rules-based logic that adapts in real time:
You’ll spend less on verification—and waste less time on false positives—without compromising safety or compliance.
Credit card origination isn’t one-size-fits-all. That’s why Decisions gives you more than just workflows—it gives you the tools to handle exceptions, test changes safely, respond to fraud, and continuously improve. These aren’t just features—they’re the building blocks of a more intelligent, efficient, and scalable origination process.
Design multi-layered rule paths that reflect your actual credit policy—not a generic flow. Create tailored approval paths for different products, geographies, or customer segments.
Safely test new rules alongside production logic—without affecting live decisions. Make updates with confidence and see projected outcomes before going live.
Automatically flag and route edge cases for manual review, enhanced verification, or secondary approval—ensuring nuanced risk decisions without blocking high-quality applicants.
Map out origination rules like a flowchart. With Decisions’ visual designers, you can build and launch entire credit products faster—without writing specs or waiting on dev.
Respond to emerging fraud tactics with immediate rule updates. Quickly adjust decision logic, add vendor steps, or tighten risk thresholds—all without waiting for sprint cycles.
Track which rules slow down approvals, create bottlenecks, or trigger unnecessary vendor calls. Use built-in dashboards to continuously fine-tune for speed and accuracy.
Decisions connects seamlessly to your existing ecosystem, so you don’t have to rip and replace.
With Decisions, you design credit origination processes visually—no-code, no confusion. Build and modify rules, routes, and scoring logic in a unified interface that brings ops, risk, and IT together.
Decisions provides built-in dashboards and execution data that help you track performance, spot bottlenecks, and optimize logic continuously—so your origination stays fast, safe, and efficient.
This website use cookies to help you have a superior and more relevant browsing experience on the website. Privacy Policy