🎉 We’re excited to let you know that Originate is now integrated to Decide - Read The Announcement

Better Insights For
Smarter Lending Decisions

Decide leverages Open Banking data to help you understand your customers throughout the credit risk lifecycle, from onboarding through to collections & recoveries.

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Quick Credit
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Trained with real life financial data at scale & over time

Access rich insights via our API using over 50 variables

  • Income Analysis
  • Cash Flow Analysis.
  • Spend Analysis.
  • Behavioural Analysis.
  • Transaction Pattern Analysis.

🎉 Lipa Later, Indicina partner for Buy Now Pay Later Credit Assessment

Powered by Open Banking, Lipa Later (Kenya) allows customers to own and have unrestricted use of purchased products as they pay for them in affordable and flexible monthly instalments.

Leveraging Decide insights, built from Open Banking data, Lipa Later will be able to better assess an applicant’s affordability and creditworthiness.

Decide provides insights into an applicant's affordability at speed through an intuitive dashboard, or quick API, for a robust and seamless assessment process.

Reduce BNPL risk with Decide (2mins read)

Find out how our technology has helped lenders, and financial institutions make faster and better credit decisions.

Ready to get started?
Start making informed credit decisions today.

Indicina offers technology solutions to empower businesses to offer credit to customers faster, more securely and at scale.
Indicina is not a lender and does not offer loans to customers

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