Capture actionable insights for credit decisions in 1 minute

Explore ready-to-use credit decisioning models for safer and more accurate underwriting.

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One analysis, the full story. All in less than 2 minutes

Take the guess work out of decisioning with a full picture of what your customers are spending on. Decide leverages Open Banking data and custom uploads for a quicker analysis of your customer's spend

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Reduce human errors, save time, and grow your revenue

Decide’s in-depth analysis captures details that human eyes can miss helping you make safe decisions in little time

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Stay steps ahead with over 64 data variables that keep you risk-free

Having the best Data Team means we’ve built in algorithms that can quickly detect loan habits, gambling, fraud, etc. of borrowers, hence keeping you risk-free

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  • Transaction Pattern

    Identify transaction patterns in seconds and reduce time taken to make business decisions.

  • Cashflow Analysis

    With our detailed information of cashflow analysis, you can see how active the account and most frequent transactions.

  • Income Analysis

    We provide details about the income on the account. You can identify simple things as SalaryEarner, Gig worker, salary frequency, etc.

  • Spend Analysis

    Quick insight into what the customer is spending on. You get quick details on gambling, fraud, airtime, transfers, etc.

APIs designed for
your distinct credit needs

Trusted by leading credit providers in Africa

For financial
institutions

Access our developer-friendly APIs to start integrating Decide into your existing flow

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Buy now, pay later service providers

Approve customers for POS checkout loans. Access our developer-friendly APIs to get started

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Improve your collections, revenue, and customer experience

All in less than two minutes

See how it works