Cloud-based decision engine to automate lending decisions and manage your credit risk in-house

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Banking, Lending, Retail

Powerful lending decision engine

Simple and easy to use, our comprehensive decision engine puts you in control of your credit risk and lending decisions.

Aryza Decide allows you to create a rules-based customer journey, that integrates into your current workflows to deliver results quickly. The platform is controlled by you so your internal team can efficiently make changes to products, pricing and risk profiles, reducing underwriting time.

The platform easily integrates into your existing workflow, and by embedding credit reference agencies, open banking and open finance providers, ID&V and AML checks into your rule sets, you can reduce your credit risk and manage your scorecards and decisions in-house.

Our simple and easy to use decision engine gives you full control of your lending decisions across multiple products

Rule sets

Create comprehensive rule sets using a simple interface that allows you to easily manage your decisioning rules in-house


Create and tailor your scorecards to manage the rate for risk across multiple products using your pre-defined rules


Use a combination of rule sets and your bespoke scorecards to define your decisions on a product by product basis


Easily integrate CRAs, open banking providers, ID&V and AML checks into your rule sets to reduce risk and speed up underwriting time


A standalone platform that allows you to bring new products to market quickly, and manage the credit risk journey in-house


You’re in control
Reduce the dependency on third party providers, taking control of risk profiles, pricing and products in-house
Create rules sets
Aryza Decide offers the ability to easily create and manage rules sets linked to products or other data attributes
Cost reduction
Lower the cost of acquisition by reducing the number of tasks that need to be taken care of manually
Various integration options
Link with a large number of data sources, such as credit reference agencies, open banking providers and ID&V services
Simple UX
Aryza Decide offers an intelligent interface which can be configured easily, putting your team in full control
Speedy processing
Accelerate the loan process with this light touch solution, offering full control over the credit risk decisioning process
Full service
Integrate with Aryza Originate or other third party origination platforms, or add Aryza Decide to the Aryza Lend loan management platform for an end-to-end journey

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