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Application decisioning

Application decisions.
With clear controls.

Build the journey, gather the right data and run decision engines that combine affordability, bureau, Open Banking and lender policy.

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Journey control

Configure journeys
around each product.

Finbl lets lenders configure the application journey, decision logic and review process around each product without pushing every policy change through a code release.

  • Configurable application journeys and fields
  • Open Banking affordability and behaviour indicators
  • Bureau-led decisioning and policy rules
  • Live and passive decision engines
  • Decision audit trail and explainable outcomes
Application journeyFinbl Personal Loan
Active
01
About youCustomer details
Complete
02
Your financesIncome and expenditure
12 fields
03
Open BankingConnect bank accounts
Required
04
DecisionConfigured decision engine
Automated

Platform in practice

Configure the process.
Keep control.

Move from journey design to operational automation and underwriting review without losing sight of the customer, the data or the reason behind an outcome.

ApplyConfigurable application form
01
RegisterSecure customer account
02
Further informationAffordability and underwriting
03
Open BankingConnect bank account data
04
DecisionRun the configured engine
05
Application step

About the applicant

7 fields
A
Custom fieldDrag to position

Shape every stage of the application.

Arrange the journey, configure each stage and control the information collected for different products and routes to market.

Open Banking insightsAccount performance
Data complete
HSBCBarclaysLloydsNatWestMonzo
Connected accounts5
Monthly movementIncome and spending
● Income● Spending
Income£13,968.34
Spending£11,904.32
Headroom£2,064.02

Open Banking

Review income
and spending signals.

Open Banking insight can show income patterns, commitments, bills, loan payments and adverse behaviour alongside the application.

AffordabilityUse income, commitments, spending patterns and declared data to support lending decisions.
Behaviour indicatorsHighlight recurring income, regular bills, loan payments and adverse spending signals.

Bureau insight

Bring credit conduct
into the decision.

Bureau outcomes can be reviewed as clear factors, scored inside engines and surfaced for underwriter review where the policy requires it.

Credit conductBring bureau outcomes, payment behaviour and policy rules into a governed decision flow.
Policy checksUse score bands, public records, defaults and account conduct inside explainable rules.
Bureau review
Credit profile
0
Low conduct risk
Score bandLow risk
Pass
DefaultsNone found
Pass
Utilisation42%
Review
Public recordsClear
Pass

Decision visibility

Review the outcome
before action is taken.

Underwriters can review the data, rule outcomes, risk assessment and passive engine results from the application, giving teams a clearer route to action.

Decision consoleApplication 10428
Review
Engine outcomeRefer for review
Tier B
Affordability62% ratioReview
Passive challengerWould approve
Rule tracePolicy outcome
Refer

Affordability threshold moved the case into review.

Review queueUnderwriter route
Open

Assigned to the right team with the full decision context.

ChallengerPassive result
Approve

Compare live policy against passive engine results.

Routes & governance

Control how cases enter
and how policy changes.

Support direct journeys, aggregator quote traffic and internal case creation while keeping decision changes visible, tested and traceable.

Direct journeysCapture customer data through configurable application journeys.
Aggregator quotesReceive quote requests with mapped fields and return controlled outcomes.
Manual entryCreate and review cases internally when applications arrive outside the portal.
Versioned policyPassive testingAudit history