Real-time decision executionunder 3 seconds
Cloudcase's decisioning engine evaluates eligibility, serviceability, risk-grade, and policy in real time on every data change: no batch jobs, no queues.
In production
Decisioning measured
Latency p95
+8%0.0
seconds end-to-end
Auto-decisioned
+3%0
percent under 3s execution time
Audit coverage
+0%0
percent of decisions
Black-box AI
+0%0
in lending decisions
Decisioning capabilities
From eligibility through to approval, with full traceability
01
Eligibility & policy rules
Visual rule editor with versioning, branch-based testing, and staged policy review before publishing to production.
02
Serviceability
Income, expense, liability, and buffer calculations aligned to your bank-specific interpretation of APRA prudential standards and your credit policy.
03
Risk-grade scoring
Multi-factor risk grading with bureau, internal, and Open Banking inputs. Configurable weighting and segmentation.
04
Pre-approval & PIQs
Indicative offers, pre-qualification flows, and self-service rate-and-fee quotes, all running on the same engine.
05
Override governance
Authorised override paths with reason capture, evidence, and approval delegation built into the workflow.
06
Audit-ready evidence
Every rule fired, every decision returned, every override recorded, with full traceability for regulators and auditors.
AI in lending
Practical AI, regulator-grade transparency
What we don't do
Black-box AI lending decisions
- ×Opaque approval scoring you can't audit
- ×AI making the lending decision
- ×Unexplainable score outputs
- ×Models that drift without you knowing
- ×Vendor-locked proprietary AI
AI that augments lending judgement
- Document intelligence: confidence-scored, human-reviewable
- Anomaly and fraud signals: surfaced for staff review
- Workflow assistance: summarise, draft, suggest, always staff-approved
- Explainability by default: every pathway traceable
- Practical AI that augments, rather than replaces, lending judgement
See decisioning evaluated live, end-to-end
A demo with your products, your policy, and your data flow, running in seconds, not days.