AI CREDIT UNDERWRITING
Make better credit decisions faster.
Make better credit decisions faster.
Make better credit decisions faster.
Make better credit decisions faster.
Safe, reliable AI Risk Decisioning™ is here. Approve more customers faster, and restore your risk team's sanity.
Leading banks and fintechs trust Oscilar
FEATURES
Why top sponsor banks and fintechs choose Oscilar over Provenir
Financial institutions are outgrowing traditional risk management solutions.
FEATURES
Why top sponsor banks and fintechs choose Oscilar over Provenir
Financial institutions are outgrowing traditional risk management solutions.
FEATURES
Why top sponsor banks and fintechs choose Oscilar over Provenir
Financial institutions are outgrowing traditional risk management solutions.
FEATURES
Why top sponsor banks and fintechs choose Oscilar over Provenir
Financial institutions are outgrowing traditional risk management solutions.
More Holistic Risk View
Manage the entire credit lifecycle—from underwriting to portfolio monitoring to collections—with safe and reliable AI automation.
Improved Agility
Low-code and no-code workflow editing means reduced engineering dependency, so you can make changes and see results faster.
AI-Native Architecture
Built by ML experts with decades of large-scale data engineering, and designed from the ground up to manage risk in the era of AI.
More Reliable Support
Our experts are here for you. Oscilar offers white-glove customer success packages to get you up and running in weeks, not months or years.
Improved Performance
Make decisions in under 100ms. A/B test multiple model workflow versions and validate credit policies with one-click backtesting.
AI-Driven Risk Management
Define credit risk workflow logic in natural language, and Oscilar AI seamlessly generates step logic and complex expressions.
Head to head
Capabilities Comparison
How does Oscilar stack up against Provenir?
Head to head
Capabilities Comparison
How does Oscilar stack up against Provenir?
Head to head
Capabilities Comparison
How does Oscilar stack up against Provenir?
Head to head
Capabilities Comparison
How does Oscilar stack up against Provenir?
Capability
Provenir
Business Impact
Performance
☹
Multi-second latency
☺
Sub-100ms response times
Improved conversion rates, reduced customer friction
Performance
☹
Multi-second latency
☺
Sub-100ms response times
Improved conversion rates, reduced customer friction
Performance
☹
Multi-second latency
☺
Sub-100ms response times
Improved conversion rates, reduced customer friction
Performance
Provenir
☹
Multi-second latency
Oscilar
☺
Sub-100ms response times
Workflow Management
☹
Difficult changes, disruptive rollouts
☺
Easy editing, 40% faster deployments
Faster time-to-market, reduced engineering dependency
Workflow Management
☹
Difficult changes, disruptive rollouts
☺
Easy editing, 40% faster deployments
Faster time-to-market, reduced engineering dependency
Workflow Management
☹
Difficult changes, disruptive rollouts
☺
Easy editing, 40% faster deployments
Faster time-to-market, reduced engineering dependency
Workflow Management
Provenir
☹
Difficult changes, disruptive rollouts
Oscilar
☺
Easy editing, 40% faster deployments
AI & Innovation
☹
Little to no AI capabilities
☺
Continuous AI innovation
Future-proof platform, advanced threat detection
AI & Innovation
☹
Little to no AI capabilities
☺
Continuous AI innovation
Future-proof platform, advanced threat detection
AI & Innovation
☹
Little to no AI capabilities
☺
Continuous AI innovation
Future-proof platform, advanced threat detection
AI & Innovation
Provenir
☹
Little to no AI capabilities
Oscilar
☺
Continuous AI innovation
Platform Breadth
☹
Primarily credit underwriting
☺
Credit, fraud, compliance unified
Reduced vendor complexity, unified operations
Platform Breadth
☹
Primarily credit underwriting
☺
Credit, fraud, compliance unified
Reduced vendor complexity, unified operations
Platform Breadth
☹
Primarily credit underwriting
☺
Credit, fraud, compliance unified
Reduced vendor complexity, unified operations
Platform Breadth
Provenir
☹
Primarily credit underwriting
Oscilar
☺
Credit, fraud, compliance unified
Support Model
☹
Reactive support
☺
Proactive, dedicated support
Faster issue resolution, continuous optimization
Support Model
☹
Reactive support
☺
Proactive, dedicated support
Faster issue resolution, continuous optimization
Support Model
☹
Reactive support
☺
Proactive, dedicated support
Faster issue resolution, continuous optimization
Support Model
Provenir
☹
Reactive support
Oscilar
☺
Proactive, dedicated support
current state
The Challenge with Legacy Risk Platforms
Yesterday’s security wasn’t built for today’s sophisticated threats. The rising ubiquity and quality of AI tooling has enabled a new suite of very sophisticated fraud tactics. Unprepared businesses are overexposed to these vulnerabilities, leaving legacy fraud solutions insufficient.
current state
The Challenge with Legacy Risk Platforms
Yesterday’s security wasn’t built for today’s sophisticated threats. The rising ubiquity and quality of AI tooling has enabled a new suite of very sophisticated fraud tactics. Unprepared businesses are overexposed to these vulnerabilities, leaving legacy fraud solutions insufficient.
current state
The Challenge with Legacy Risk Platforms
Yesterday’s security wasn’t built for today’s sophisticated threats. The rising ubiquity and quality of AI tooling has enabled a new suite of very sophisticated fraud tactics. Unprepared businesses are overexposed to these vulnerabilities, leaving legacy fraud solutions insufficient.
current state
The Challenge with Legacy Risk Platforms
Yesterday’s security wasn’t built for today’s sophisticated threats. The rising ubiquity and quality of AI tooling has enabled a new suite of very sophisticated fraud tactics. Unprepared businesses are overexposed to these vulnerabilities, leaving legacy fraud solutions insufficient.
Identity Spoofing
Perfect replicas of legitimate devices make traditional fingerprinting ineffective
Identity Spoofing
Perfect replicas of legitimate devices make traditional fingerprinting ineffective
Identity Spoofing
Perfect replicas of legitimate devices make traditional fingerprinting ineffective
Identity Spoofing
Perfect replicas of legitimate devices make traditional fingerprinting ineffective
Behavior Mimicking
Hybrid AI-Human mimics real users patterns defeating traditional behavioral biometrics
Behavior Mimicking
Hybrid AI-Human mimics real users patterns defeating traditional behavioral biometrics
Behavior Mimicking
Hybrid AI-Human mimics real users patterns defeating traditional behavioral biometrics
Behavior Mimicking
Hybrid AI-Human mimics real users patterns defeating traditional behavioral biometrics
AI Attacker-in-the-loop
Attacks learn and adapt in real-time bypassing traditional defense
AI Attacker-in-the-loop
Attacks learn and adapt in real-time bypassing traditional defense
AI Attacker-in-the-loop
Attacks learn and adapt in real-time bypassing traditional defense
AI Attacker-in-the-loop
Attacks learn and adapt in real-time bypassing traditional defense
Malicious Gen AI
AI generates novel track partners faster than detection systems adapt
Malicious Gen AI
AI generates novel track partners faster than detection systems adapt
Malicious Gen AI
AI generates novel track partners faster than detection systems adapt
Malicious Gen AI
AI generates novel track partners faster than detection systems adapt
OUR APPROACH
We think there's a better way.
OUR APPROACH
We think there's a better way.
OUR APPROACH
We think there's a better way.
OUR APPROACH
We think there's a better way.
Unify your risk ops on one intelligent platform.
Get a true 360° customer view
Oscilar brings all your data together so you can obtain a true 360 degree view of your users and transactions. Say goodbye to fragmented databases or incomplete customer profiles.
AI-powered Workflow Assistance
Create powerful credit risk workflows with Oscilar AI and leverage 80+ integrations to make the best credit decisions.
Get a true 360° customer view
Oscilar brings all your data together so you can obtain a true 360 degree view of your users and transactions. Say goodbye to fragmented databases or incomplete customer profiles.
Get a true 360° customer view
Oscilar brings all your data together so you can obtain a true 360 degree view of your users and transactions. Say goodbye to fragmented databases or incomplete customer profiles.
Get a true 360° customer view
Oscilar brings all your data together so you can obtain a true 360 degree view of your users and transactions. Say goodbye to fragmented databases or incomplete customer profiles.
Build powerful workflows easily
Create powerful credit risk workflows with Oscilar AI. Generate step logic seamlessly by describing rule evaluation in natural language, and let Oscilar AI build complex expressions.
Integrated Testing & Validation
Easily run tests to validate new credit policies and deploy these in hours instead of weeks.
Build powerful workflows easily
Create powerful credit risk workflows with Oscilar AI. Generate step logic seamlessly by describing rule evaluation in natural language, and let Oscilar AI build complex expressions.
Build powerful workflows easily
Create powerful credit risk workflows with Oscilar AI. Generate step logic seamlessly by describing rule evaluation in natural language, and let Oscilar AI build complex expressions.
Build powerful workflows easily
Create powerful credit risk workflows with Oscilar AI. Generate step logic seamlessly by describing rule evaluation in natural language, and let Oscilar AI build complex expressions.
Increase approval rates without increasing risk
Monitor approval rates, default rates, and custom KPIs with a robust analytics suite. Gain deep insights quickly with AI-powered dashboards and reports that help you iterate and evolve your processes.
Purpose-built Credit Models
Leverage the most advanced credit ML models in the industry: Balance Prediction & Spend Power, Pay Prediction, Transaction Categorization, and Cash Flow score.
Increase approval rates without increasing risk
Monitor approval rates, default rates, and custom KPIs with a robust analytics suite. Gain deep insights quickly with AI-powered dashboards and reports that help you iterate and evolve your processes.
Increase approval rates without increasing risk
Monitor approval rates, default rates, and custom KPIs with a robust analytics suite. Gain deep insights quickly with AI-powered dashboards and reports that help you iterate and evolve your processes.
Increase approval rates without increasing risk
Monitor approval rates, default rates, and custom KPIs with a robust analytics suite. Gain deep insights quickly with AI-powered dashboards and reports that help you iterate and evolve your processes.
Onboarding
Onboarding
Safely grow your customer base and approve more of the right users by leveraging AI.
✓
Consumer Onboarding
✓
Business Onboarding
✓
Merchant Onboarding
RESULT
60% faster approvals
Credit
Credit
Empower your risk and credit teams to operate autonomously and increase approval rates.
✓
B2B/B2C Underwriting
✓
Portfolio Monitoring
✓
Collections Optimization
RESULT
40% better accuracy
Fraud
Fraud
Stop complex fraud before it happens with industry-leading device and behavioral intelligence.
✓
Account Opening Fraud
✓
Payment Fraud
✓
ATO Prevention
RESULT
85% loss reduction
Compliance
Compliance
Uplevel your compliance operations and accelerate investigations, SAR filing, reporting and governance.
✓
AML Monitoring
✓
Sanctions Screening
✓
Risk Reporting
RESULT
90% fewer false positives
FEATURES
Your risk team will thank you.
Give your risk experts the tools they need to work smarter.
FEATURES
Your risk team will thank you.
Give your risk experts the tools they need to work smarter.
FEATURES
Your risk team will thank you.
Give your risk experts the tools they need to work smarter.
FEATURES
Your risk team will thank you.
Give your risk experts the tools they need to work smarter.
One-Click Backtesting
Easily verify new rule performance against your historical data.
One-Click Backtesting
Easily verify new rule performance against your historical data.
One-Click Backtesting
Easily verify new rule performance against your historical data.
One-Click Backtesting
Easily verify new rule performance against your historical data.
AI Workflow Assistance
Rapidly draft entire workflows using natural language.
AI Workflow Assistance
Rapidly draft entire workflows using natural language.
AI Workflow Assistance
Rapidly draft entire workflows using natural language.
AI Workflow Assistance
Rapidly draft entire workflows using natural language.
Rule Recommendations
AI evaluation proactively suggests improvements for you.
Rule Recommendations
AI evaluation proactively suggests improvements for you.
Rule Recommendations
AI evaluation proactively suggests improvements for you.
Rule Recommendations
AI evaluation proactively suggests improvements for you.
Seamless Integrations
Ingestion that connects your databases in one click.
Seamless Integrations
Ingestion that connects your databases in one click.
Seamless Integrations
Ingestion that connects your databases in one click.
Seamless Integrations
Ingestion that connects your databases in one click.
Comprehensive Analytics
Easily define and track your own KPIs with customizable dashboards.
Comprehensive Analytics
Easily define and track your own KPIs with customizable dashboards.
Comprehensive Analytics
Easily define and track your own KPIs with customizable dashboards.
Comprehensive Analytics
Easily define and track your own KPIs with customizable dashboards.
Tailored ACH Pull Dates
Automatically adjust collection pull dates to optimize recovery.
Tailored ACH Pull Dates
Automatically adjust collection pull dates to optimize recovery.
Tailored ACH Pull Dates
Automatically adjust collection pull dates to optimize recovery.
Tailored ACH Pull Dates
Automatically adjust collection pull dates to optimize recovery.
Advanced Credit ML Models
Models built for balance prediction, transaction categorization, and more.
Advanced Credit ML Models
Models built for balance prediction, transaction categorization, and more.
Advanced Credit ML Models
Models built for balance prediction, transaction categorization, and more.
Advanced Credit ML Models
Models built for balance prediction, transaction categorization, and more.
Personalized Outreach
Design intelligent outbound messaging workflows that adapt to each customer's context and behavior.
Personalized Outreach
Design intelligent outbound messaging workflows that adapt to each customer's context and behavior.
Personalized Outreach
Design intelligent outbound messaging workflows that adapt to each customer's context and behavior.
Personalized Outreach
Design intelligent outbound messaging workflows that adapt to each customer's context and behavior.
UNDER THE HOOD
Designed to outperform.
Oscilar is designed with modern architecture built for scale and performance.
UNDER THE HOOD
Designed to outperform.
Oscilar is designed with modern architecture built for scale and performance.
UNDER THE HOOD
Designed to outperform.
Oscilar is designed with modern architecture built for scale and performance.
UNDER THE HOOD
Designed to outperform.
Oscilar is designed with modern architecture built for scale and performance.
✓
✓
30B+ decisions processed per year
30B+ decisions processed per year
30B+ decisions processed per year
✓
✓
1000+ requests per second
1000+ requests per second
1000+ requests per second
✓
✓
<100ms decision latency
<100ms decision latency
<100ms decision latency
✓
✓
99% identity precision
99% identity precision
99% identity precision
✓
✓
100% tamper protection coverage
100% tamper protection coverage
100% tamper protection coverage
✓
✓
1000+ cognitive identity markers
1000+ cognitive identity markers
1000+ cognitive identity markers
END-to-end visibility
Built to manage the entire customer journey.
Oscilar makes it easy to manage your customer profiles from start to finish, so you never miss important risk signals.
END-to-end visibility
Built to manage the entire customer journey.
Oscilar makes it easy to manage your customer profiles from start to finish, so you never miss important risk signals.
END-to-end visibility
Built to manage the entire customer journey.
Oscilar makes it easy to manage your customer profiles from start to finish, so you never miss important risk signals.
END-to-end visibility
Built to manage the entire customer journey.
Oscilar makes it easy to manage your customer profiles from start to finish, so you never miss important risk signals.
Credit underwriting
Create powerful B2B and B2C credit workflows that increase approval rates while reducing risk & defaults.
Portfolio monitoring
Monitor, analyze, and optimize credit portfolios proactively to balance risk and maximize returns.
Collections
Manage and recover debt efficiently while maintaining positive customer relationships and trust.
CUSTOMER SUCCESS
CashCo deploys credit models in days instead of weeks.
CUSTOMER SUCCESS
CashCo deploys credit models in days instead of weeks.
CUSTOMER SUCCESS
CashCo deploys credit models in days instead of weeks.
CUSTOMER SUCCESS
CashCo deploys credit models in days instead of weeks.
↓70%
CashCo reduced their risk expenses by 70% by switching to Oscilar.
25,000+
With Oscilar, CashCo processes 25,000 monthly decisions—each under 1 second.
"Oscilar is really that next generation of decision modeling. They started fresh with how it should be."
Alex Nuth
Chief Digital Product Officer
FAQ
Common Questions When Comparing Platforms
FAQ
Common Questions When Comparing Platforms
FAQ
Common Questions When Comparing Platforms
FAQ
Common Questions When Comparing Platforms
How easy is it to migrate to Oscilar?
Migrating to Oscilar from Provenir is a matter of writing all the necessary filler copy in a way that provides a realistic example of how the component will behave when confronted with a reasonable amount of text, as is the case with this self-explanatory paragraph right here which Im not sure why you're still reading.
How easy is it to migrate to Oscilar?
Migrating to Oscilar from Provenir is a matter of writing all the necessary filler copy in a way that provides a realistic example of how the component will behave when confronted with a reasonable amount of text, as is the case with this self-explanatory paragraph right here which Im not sure why you're still reading.
How easy is it to migrate to Oscilar?
Migrating to Oscilar from Provenir is a matter of writing all the necessary filler copy in a way that provides a realistic example of how the component will behave when confronted with a reasonable amount of text, as is the case with this self-explanatory paragraph right here which Im not sure why you're still reading.
How easy is it to migrate to Oscilar?
Migrating to Oscilar from Provenir is a matter of writing all the necessary filler copy in a way that provides a realistic example of how the component will behave when confronted with a reasonable amount of text, as is the case with this self-explanatory paragraph right here which Im not sure why you're still reading.
How easy is it to migrate to Oscilar?
Migrating to Oscilar from Provenir is a matter of writing all the necessary filler copy in a way that provides a realistic example of how the component will behave when confronted with a reasonable amount of text, as is the case with this self-explanatory paragraph right here which Im not sure why you're still reading.
How easy is it to migrate to Oscilar?
Migrating to Oscilar from Provenir is a matter of writing all the necessary filler copy in a way that provides a realistic example of how the component will behave when confronted with a reasonable amount of text, as is the case with this self-explanatory paragraph right here which Im not sure why you're still reading.
How easy is it to migrate to Oscilar?
Migrating to Oscilar from Provenir is a matter of writing all the necessary filler copy in a way that provides a realistic example of how the component will behave when confronted with a reasonable amount of text, as is the case with this self-explanatory paragraph right here which Im not sure why you're still reading.
How easy is it to migrate to Oscilar?
Migrating to Oscilar from Provenir is a matter of writing all the necessary filler copy in a way that provides a realistic example of how the component will behave when confronted with a reasonable amount of text, as is the case with this self-explanatory paragraph right here which Im not sure why you're still reading.
How easy is it to migrate to Oscilar?
Migrating to Oscilar from Provenir is a matter of writing all the necessary filler copy in a way that provides a realistic example of how the component will behave when confronted with a reasonable amount of text, as is the case with this self-explanatory paragraph right here which Im not sure why you're still reading.
How easy is it to migrate to Oscilar?
Migrating to Oscilar from Provenir is a matter of writing all the necessary filler copy in a way that provides a realistic example of how the component will behave when confronted with a reasonable amount of text, as is the case with this self-explanatory paragraph right here which Im not sure why you're still reading.
How easy is it to migrate to Oscilar?
Migrating to Oscilar from Provenir is a matter of writing all the necessary filler copy in a way that provides a realistic example of how the component will behave when confronted with a reasonable amount of text, as is the case with this self-explanatory paragraph right here which Im not sure why you're still reading.
How easy is it to migrate to Oscilar?
Migrating to Oscilar from Provenir is a matter of writing all the necessary filler copy in a way that provides a realistic example of how the component will behave when confronted with a reasonable amount of text, as is the case with this self-explanatory paragraph right here which Im not sure why you're still reading.
How easy is it to migrate to Oscilar?
Migrating to Oscilar from Provenir is a matter of writing all the necessary filler copy in a way that provides a realistic example of how the component will behave when confronted with a reasonable amount of text, as is the case with this self-explanatory paragraph right here which Im not sure why you're still reading.
How easy is it to migrate to Oscilar?
Migrating to Oscilar from Provenir is a matter of writing all the necessary filler copy in a way that provides a realistic example of how the component will behave when confronted with a reasonable amount of text, as is the case with this self-explanatory paragraph right here which Im not sure why you're still reading.
How easy is it to migrate to Oscilar?
Migrating to Oscilar from Provenir is a matter of writing all the necessary filler copy in a way that provides a realistic example of how the component will behave when confronted with a reasonable amount of text, as is the case with this self-explanatory paragraph right here which Im not sure why you're still reading.
How easy is it to migrate to Oscilar?
Migrating to Oscilar from Provenir is a matter of writing all the necessary filler copy in a way that provides a realistic example of how the component will behave when confronted with a reasonable amount of text, as is the case with this self-explanatory paragraph right here which Im not sure why you're still reading.
How easy is it to migrate to Oscilar?
Migrating to Oscilar from Provenir is a matter of writing all the necessary filler copy in a way that provides a realistic example of how the component will behave when confronted with a reasonable amount of text, as is the case with this self-explanatory paragraph right here which Im not sure why you're still reading.
How easy is it to migrate to Oscilar?
Migrating to Oscilar from Provenir is a matter of writing all the necessary filler copy in a way that provides a realistic example of how the component will behave when confronted with a reasonable amount of text, as is the case with this self-explanatory paragraph right here which Im not sure why you're still reading.
How easy is it to migrate to Oscilar?
Migrating to Oscilar from Provenir is a matter of writing all the necessary filler copy in a way that provides a realistic example of how the component will behave when confronted with a reasonable amount of text, as is the case with this self-explanatory paragraph right here which Im not sure why you're still reading.
How easy is it to migrate to Oscilar?
Migrating to Oscilar from Provenir is a matter of writing all the necessary filler copy in a way that provides a realistic example of how the component will behave when confronted with a reasonable amount of text, as is the case with this self-explanatory paragraph right here which Im not sure why you're still reading.
get started
get started
Get your free demo
Get your free demo
See how you can supercharge your team's credit underwriting processes with Oscilar's AI Risk Decisioning™ platform.
See how you can supercharge your team's credit underwriting processes with Oscilar's AI Risk Decisioning™ platform.
© 2024 Oscilar, Inc