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AI CREDIT UNDERWRITING

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.

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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

current state

The Challenge with Legacy Risk Platforms

current state

The Challenge with Legacy Risk Platforms

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

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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

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

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

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.

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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

✓

1000+ requests per second

✓

<100ms decision latency

✓

99% identity precision

✓

100% tamper protection coverage

✓

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.

free resource

AI Risk Decisioning™ for Banks

Download the free whitepaper.

Get Your Copy

free resource

AI Risk Decisioning™ for Banks

Download the free whitepaper.

Get Your Copy

free resource

AI Risk Decisioning™ for Banks

Download the free whitepaper.

Get Your Copy

free resource

AI Risk Decisioning™ for Banks

Download the free whitepaper.

Get Your Copy

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