finblTalk to us

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.

Talk to us

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
Personal loan journey
Application stepAbout the applicant
ACustom field
Application 10428
Decision consoleSarah Thompson
Refer
Verified incomePass
AffordabilityRefer
Spending riskLow
Income£2,840
Rent£850
Utilities£184
Loan payment£219
Gambling£0

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