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Decisioning Cloud

Make smarter decisions, faster.

Deeper insights

Easily pull internal, external, traditional and alternative data sources to dig deeper into risks.

Instant approvals

Automated digital decisioning powers rapid approvals, so you can say yes to the right customers in real time.

Zero delays

No-code technology eliminates vendor and development team reliance, getting you to market faster.

Real-time approvals need sophisticated decisioning.

Your business has to make the right decisions at the right time. And in a world of instant everything, the right time is now. This means you need instant decisioning tools that put you in control of designing, building and deploying sophisticated, automated real-time decisioning processes.

That’s where the Provenir Decisioning Cloud comes in. Our no-code, cloud-agnostic technology lets business users easily create automated decisioning workflows across the entire customer lifecycle.


Unleash the power of instant decisioning.

The possibilities are endless with the Decisioning Cloud. From loan origination to merchant onboarding, you’ll have the power to handle thousands of processes, risk decisions and workflows in the palm of your hand.

Build faster

Get ready to set launch records. Your team has the power to rapidly build and deploy instant decisioning models through:

  • CheckmarkDrag-and-drop functionalities and visual development tools
  • CheckmarkVisual analytics and testing
  • CheckmarkSingle-click deployment

Reduce back-and-forth between IT and risk teams, getting products and services to market faster than ever before.

Simplify integration

Whether you’re connecting to internal or external sources, or using traditional or alternative data, Provenir’s decisioning cloud supports quick and easy data integration. The no-code interface lets your risk, credit or development teams use data across any decisioning workflow. That way, you have access to the right data to make the right decisions.

Predict risk

As a model-agnostic cloud platform, the Provenir Decisioning Cloud supports a wide range of predictive analytics tools to meet your risk analytics needs. Provenir eliminates the model recoding delays that slow your business down and increase time to market. Deploy models in the language your business speaks, including:

  • CheckmarkSpark
  • CheckmarkTensorFlow
  • CheckmarkPython
  • CheckmarkR
  • CheckmarkSAS
  • CheckmarkPMML
  • CheckmarkExcel
  • CheckmarkJava

Automate decisioning

Decisioning speed is critical when it comes to winning over new customers. The Decisioning Cloud’s visual designer lets your non-technical users create sophisticated workflows designed to say yes in real time. Powerful automation pushes applications straight-through compliance, KYC, predictive modeling, pricing processes and more, flagging high-risk applicants for additional checks.

Learn + iterate

Get support for the most advanced AI and ML capabilities to learn from and react to your decisioning data. Zero vendor reliance means your team can use real-time analytics to quickly identify insights and implement, test and deploy new strategies to meet new opportunities and risks head-on.


Featuring hands-free decisioning solutions, our decisioning-as-a-service (DaaS) options using our Solutions Cloud give you a powerful decisioning service — without the setup and management. With DaaS you get a prepackaged, plug and play option for your credit decisioning needs accessible via our open API.

  • CheckmarkBenefit from rapid setup
  • CheckmarkCombat talent shortages
  • CheckmarkRequire zero maintenance

Our cloud platform makes us unique. Our results make you stand out.

GM logo

“We have deep insight into every application and contract as we can instantly get real-time information whenever we need it.”

Jeff Lively, VP of Dealer Services, GM Financial
Hitachi logo

“The flexibility of Provenir allows us to create our own risk decisioning workflows that can easily connect with any data source.”

Andy Dodd, Managing Director, Hitachi Capital
Bisnode logo

“Provenir plays a vital role in navigating this balance between compliance and speed, because it gives us the ability to orchestrate all of our scoring and compliance processes very quickly.”

Magnus Silfverberg, CEO, Bisnode
Telia logo

“Provenir empowers the Telia Finance team to create and change credit offerings independently, process customer applications in seconds, and easily integrate to multiple data sources for better quality decisioning.”

Fredrik Nilsson, Credit Manager, Telia
Yapstone logo

“Provenir’s no-code visual tools let us design and configure our business process and go live quickly.”

Michael Gramz, Chief Risk Officer, Yapstone

Companies like you choose Provenir

Our reach is global

Provenir operates around the world, providing you with the data, technology and support you need to power a global business. We’re your go-to partner, regardless of time zone.

Let’s build something together.