Smarter Credit & Risk Decisions
Automated credit decisions you can trust.
Flow Decision Engines combine rule-based logic and machine learning to approve loans faster, reduce defaults, and expand access to credi
Why Decision Engines?
Manual Challenges
Manual underwriting is slow, error-prone, and inconsistent.
Automated Decisions
Flow’s Decision Engines automate decisions while staying transparent, explainable, and compliant.
Core Capabilities
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).
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Daily Analytics
48k
Monitoring & Auditing Analytics
Track model accuracy and fairness.
Decision audit trails for regulators.
Benefits & Use Cases
Personal Loans
$50,000
Custom Loans
Choose Money
MFIs
Approve small-ticket loans at scale.
BNPL Providers
Real-time decisioning at merchant checkout.
Banks
Complex credit policies with automated underwriting.
Approve faster. Reduce risk.
Upgrade lending with Flow Decision Engines.
Schedual Demo
Security & Compliance
GDPR & regional data compliance.
Explainable AI with transparent decision logs.
INTEGRATION
Effortless & Powerfull Integration
Works natively with FlowSuite (origination to collections).
Pulls credit data via FlowCore. Syncs with AML/KYC services.