Short answer
Decision intelligence for fintech and finance connects transaction, ledger, market and operational data to recurring financial decisions — credit approvals, fraud holds, collections, treasury moves and forecast updates — recommends actions with reasons, enforces policy limits and approvals, and logs every decision for audit and model-risk review.
Decisions it handles
| Decision | Signal | Context it needs | Authority | Outcome measured |
|---|---|---|---|---|
| Credit decision | Application or limit request | Bureau, cash flow, exposure, policy | Automated within policy; analyst for exceptions | Loss rate, approval time |
| Fraud hold | Anomalous transaction | Device, history, network links | Automated in bounds | Fraud loss, false positives |
| Cash forecast update | Operations change (outage, delay) | Orders, payables, receivables | On-the-loop — treasury | Forecast accuracy |
| Collections next action | Missed payment | Customer value, history, preferences | Augmented | Recovery rate |
How it works
- Connect ledgers and operationsERP, core banking, payments and operational systems.
- Encode policyLimits, approvals and regulatory rules as code.
- Explain every decisionReason codes and evidence, not black boxes.
- Link to operationsCash forecasts update when plants, fleets or sales change.
- AuditEvery decision replayable for internal audit and regulators.
Where it fits
Every functionOne layer across the organization.Explore →Predictive analyticsForecasts wired to decisions.Explore →Dashboards by personaViews that end in a decision.Explore →
Key takeaways
- Built on the same decision layer as every other solution.
- Humans keep authority; autonomy is earned.
- Every outcome improves the next decision.
Frequently asked questions
Is AI allowed for credit decisions?
Yes, within regulatory requirements such as explainability and fair-lending rules. Decision intelligence keeps reason codes and human review for exceptions.
How does finance connect to operations?
Through the shared decision layer: when a plant outage or delivery slip is decided, the cash and revenue forecasts update automatically.