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Scoring and Decisioning

A flexible credit decisioning system for banks and fintechs — from application to collections. Configure rules, scorecards, and decision-making strategies without developers!

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Banking

Strict rule-based + regulatory models, scorecards, logistic regression, KYC/AML

Banking

Strict rule-based + regulatory models, scorecards, logistic regression, KYC/AML

Fintech

Real-time decisioning, A/B tests & fast model iterations, gradient boosting, neural networks. Telecom, behavioral, and device data

Insurance

Actuarial models, risk-based segmentation (pricing). Fraud detection

Retail

Scoring at transaction/customer level (RFM, propensity). Decisions: discounts, installment limits, upsell. Real-time POS integration

E-commerce

Behavioral scoring (clickstream, sessions). Fraud / chargeback detection. Decisions: pricing, offers, BNPL approval

9 years

as a company in the fintech industry

6 days

our fastest lending platform launch to date

2M+

users of MicroF1 products

7.5M+

loan applications processed on our platforms

31

completed fintech projects

85K

hours of IT solution development at MicroF1

Universal Decision Engine as the Core of the Lending Platform

Problem

Fragmented data sources. Scoring is hard to adjust. Slow decision-making and errors

Solution

A unified engine: scoring, rules, and external data — in one interface and under full control

Features

Configuration, scorecards, models, prescoring, anti-fraud, decision flow, bureau integrations

Result

Higher approval rates and faster decisions. Lower risk, fewer manual checks. Transparent decision logic

Launch

Fast implementation without complex development. Flexible configuration in the admin panel. Real-time changes

AI

External data providers. Combining models and data sources. Neural networks

Order Credit Scoring from Us

Send a request — we’ll launch a decision-making system tailored to your business 🚀