The Decision Engine

Assess loan applications in seconds

The NestEgg Decision Engine combines and transforms relevant data from credit bureaux, applicant bank accounts and your own repayment and savings history records into a set of financial health indicators.

Being able to zoom in on positive, negative and risk signals with a few clicks, makes it a doddle to make full and fair consumer lending assessments.

The Decision Engine let's you...

Accept more of the loans you need not be turning down, and decline more of the ones you shouldn't
Spend less time paper-shuffling & more quality time with members
Turn more of your hard-earned visitors into the borrowers you need

The BORROW health indicator

The Borrow Financial Health Indicator makes it easy to assess repayment history, debt ratios, legal action, credit and indebtedness scores for each application.

Confirm or override recommended decisions with a click.

Borrow FHI

The SPEND health indicator

Open Banking data underpins a Spend Financial Health Indicator showing an applicant’s categorised expenditure on needs, wants and financial commitments, providing an up-to-date affordability assessment.

spend FHI2

Analytics

'At a glance' insights to improve your lending strategy. Review average credit scores, geographical distribution of accepts, declines and refers, application type by credit score and overall portfolio risk. And much more.

Analytics_decisions districts

Decisions in Seconds

Near-instantaneous accept, decline & refer recommendations based on a full credit report.

Automated ID Checks

Automated anti-money laundering compliance. No charges for declined loan applicants.

Affordability Checks

Automated verification of affordability, income & indebtedness.

Flexible Policy Rules

Decisions are derived from flexible policy rules (e.g. presence of County Court Judgements).

Credit Score

Access to tried and tested score cards including distinct treatment of short term loans.

Open API

Integration options for your website, marketing & back office systems.

Frequently Asked Questions

Ready to find out more?

Schedule a call to discuss whether the Decision Engine is right for you.

(Not sure? Check out the Decision Workflow and Growth Packages)