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

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Meet the modern way to assess risk and affordability

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



With access to data from multiple sources and accurate insights, Decide ensures that you reduce your chances of default.



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

Insights in less than 2 minutes
< 0 Mins
Bank statements processed
0 k+
Active merchants
0 +
Success rate
0 %

Trusted by businesses driving inclusive credit

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Accion Microfinance Bank logo - partner
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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.

What are the common use cases for Decide?

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.

Is Decide free to use?

Unfortunately Decide is not free to use. However, you get 5 – 10 credits to explore Decide on your first sign up.

How are Decide’s results calculated?

We are transparent about how we derive accurate results. Check out this documentation to learn about how we calculate our results.

Do you have other data sources apart from bank statements?

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.