Underwrite with the confidence of a human at 5x the speed
Decide’s credit risk models helps you validate the credit eligibility of anyone, so you recover your money, always
Meet the modern way to assess risk and affordability
MANUAL DATA UPLOAD
Bring your own data and manually upload them for analysis. Decide allows data uploads in various formats – pdf, csv, json, excel.
NATIVE OPEN DATA SOURCING
Access financial and non-financial data via Decide’s open-data tool – Spool. Spool grants you direct access to bank statement data from 24 local banks and telco data for analysis.
3RD PARTY SOURCING
Access bank statement data via select 3rd party integrations like Mono and MBS for flexibility.
Alternative data analysis
Decide’s accurately captures 70+ useful data points from any bank statement covering the cash flow, income, spend, behaviour and transaction pattern of an individual.
Traditional data analysis
With Decide’s CRC integration, you can access the credit history of applicants, and use that to further guide your decisioning.
Manual decisioning
Review results and dig deeper into the results with our transaction tagging feature. Filter for specific keywords and make decisions faster.
Auto-decisioning
Create multiple rules and activate scorecards for automated decisioning in Decide. Save time on doing the manual work, and let your pre-set rules do the work for you.
Built with your product’s use case in mind
Decide is fully-equipped to drive credit underwriting for Banks, Digital Lenders, Buy Now, Pay Later Providers. e.t.c
Developer-friendly APIs
Integrate Decide’s credit data points into your product. Connect using our APIs available in multiple languages.
User management
Experience Decide with everyone on your team — Risk Analysts, Engineers, Product Managers, etc. Add them as users and define their roles + permissions.
App connections
Decide works with the apps you already use. Connect your MBS or Mono accounts to fetch statements, while Decide performs the analysis.
Comprehensive underwriting for modern credit businesses
Reduce PORTFOLIO AT RISK
With access to data from multiple sources and accurate insights, Decide ensures that you reduce your chances of default.
SPEED UP DECISIONING TIME
Decide provides analysis results in 2 minutes, hence making the process of filtering good vs bad applicants quick and efficient for portfolio growth.
Save cost on manpower
We’ve built a very powerful tool, so you don’t have to spend on building and managing yours. Focus on providing credit and growing your business.
Uptime guarantee
Decide promises 99.9% uptime with instant access to our Support, Data, and Engineering teams for quick problem resolution.
A little brag
Our promise and track record
Trusted by businesses driving inclusive credit
Our words aren't enough; hear from our customers
Start transforming your credit underwriting with Decide
Our products are designed with an informed understanding of everything your business needs to mitigate risks, grow, scale, and win the hearts of your customers.
Got Questions?
Reach out to us
Here are answers to some frequently asked questions. For more answers regarding Decide, feel free to book a call with our experts.
Decide has been deployed in a variety of Consumer and SME use cases. On the consumer side, we’ve had cases of Digital Credit, Naira Credit Cards, BNPL, Digital Advertising and Product Analytics; while on the SME side, we’ve had cases of Merchant Cash Advance and SME Working Capital. Exploring Decide is one of the best ways to discover how it works for you.
Unfortunately Decide is not free to use. However, you get 5 – 10 credits to explore Decide on your first sign up.
We are transparent about how we derive accurate results. Check out this documentation to learn about how we calculate our results.
Yes, Decide gathers data from multiple sources to ensure you have adequate information to make smart credit decisions, fast. Other sources are Credit Bureau data and Telco data.
