Make quick, accurate credit decisions, automatically
Discover a seamless way of verifying a customer’s credibility and risk exposure. Build your own decision trees and make better decisions faster.
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Top Recurring Transactions
| Transactions | Amount |
|---|---|
| Expenditures | £4,543.00 |
| Incomes | £50.00 |
Account Consistency
| Regularity | Longevity |
|---|---|
| Somewhat consistent | Highly regular |
Recent Transactions
- Salary - £1,000.00 (Most recent: 9 Jan 2023)
- HMRC child benefit (Most Recent: 10 March 2023) - £900
- Bank Giro Credit investment - £2,326.59
Balance Summary
- Average Income: £3,543.59
- Average Cost: £3,543.59
- Net Balance: £3,543.59
- Fixed Cost: £3,543.59
- Flexible Cost: £3,543.59
Save time on risk assessment tasks
This is Decisioning Engine
Manual credit decisioning requires hours of data analysis. The process is strenuous, time-consuming, and prone to human error. The Decisioning Engine tool automates workflows and operations and makes credit decisions smarter and easier.
Build your own credit rules
Create and set your own conditions and workflows to pull data from various sources. Optimize your decisioning processes effortlessly.
All easy and automated
Workflows and rules you create are automatically added to all customers’ accounts. No need to waste time copying and adding them from scratch.
Laser-focus precision
No manipulation or human error. The data is accurate and delivered directly from the bank. Credit decisions are fully automated, without any disruptions and uncertainties.
Excellent transparency
You get a clear overview of all relevant financial health indicators. No ambiguities or doubts, you see each decision broken down into prime factors.
Based on bank-confirmed data
Credit decisions are made based on accurate information, confirmed, and delivered directly by trusted banks.
Real-time processes
No delays involved. Credit decisions are made instantly after the financial and transactional data is analyzed, with a few clicks.
How it works
Define your products
First, you add the products that need financial data assessment and credit decisioning. Make sure you add all financial products and services you offer to your customers.
Define proper conditions and decisioning rules
Each financial product can have its own set of rules and conditions. You can simply and quickly define customer statuses such as ‘Pass’ (positive decision), ‘Refer’ (needs further review), and ‘Reject’ (application rejected).
Get an automated credit decision in seconds
Every time new data input is uploaded, the predefined rules recalculate the numbers. The system uses insights from data analytics to make informed lending decisions and approve, reject, or refer applications for further review.
We’ve got all financial products covered
Decisioning Engine is a comprehensive tool that may be used for any financial product. Add as many products as you need, using over 150 variables to classify and analyze customers’ bank transactions.
Mortgage
Car leasing
Personal loan
Manage your products easily
With Planky Decisioning Engine, managing your financial products is a snap. It enables you to test products before they are launched and introduced to be used by underwriters. You can also activate and deactivate your products based on your current offer.
Choose the decision rules option
DECISION RULES
- Your Products:
- Test only
- Product ABC
- Product DEF
- Product GHI
- Add New Product
- Create, edit and delete your products
Planky solutions means
No code, Simple & Secure Automated credit decisions
Why choose Planky Decisioning Engine
Decisioning Engine provides you with an opportunity to dive deeply into your applicants’ spending habits and understand their creditworthiness better.
Designed for developers
Created to start easily
No more manual processes thanks to the Planky Decisioning Engine. The tool is intuitive to use and simple. It can be integrated with your existing systems in a few clicks so that you can make smarter credit decisions in seconds, not days.
Discover the power of instant credit decisioning
With our Decisioning Engine, underwriting possibilities are endless. Easily handle thousands of credit decisioning processes and workflows in one simple dashboard. Build your own workflows and unleash the potential of smart business decisions.
Explore other Planky products
We offer comprehensive products to make your financial processes easier and smoother. The portfolio of Planky services allows businesses to accept more loan applications in a shorter time and increase the number of creditworthy customers without extra effort.
Verify your customer’s identity automatically, without any human interaction.
Get a better view of your customers’ financials. Follow patterns and trends and automatically detect anomalies to reduce the underwriting risk.
Be certain about whether your customer can afford a loan repayment.