Manual Challenges
Manual underwriting is slow, error-prone, and inconsistent.
Automated Decisions
Flow’s Decision Engines automate decisions while staying transparent, explainable, and compliant.
Rule-Based Models
Customizable credit policies.
Parameters: income, DTI, credit score, repayment history, collateral.
Instant Yes/No/Conditional approval outcomes.
Machine Learning Models
XGBoost, regression, and ensemble models for predictive scoring.
Delinquency and default prediction.
Fraud detection based on behavior anomalies.
Workflow Integration
Embedded in loan origination for instant approvals.
Configurable approval hierarchy (auto-approve, manual review, escalate).
Monitoring & Auditing Analytics
Track model accuracy and fairness.
Decision audit trails for regulators.
MFIs
Approve small-ticket loans at scale.
BNPL Providers
Real-time decisioning at merchant checkout.
Banks
Complex credit policies with automated underwriting.
Schedual Demo
GDPR & regional data compliance.
Explainable AI with transparent decision logs.
Effortless & Powerfull Integration
Works natively with FlowSuite (origination to collections).
Pulls credit data via FlowCore. Syncs with AML/KYC services.