Lending Intelligence
The Future of Digital Lending
Decimal helps banks modernize lending by unifying decision intelligence, origination, and operations, without disrupting core systems.
Why Traditional Lending Platforms Are Holding Banks Back?
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Legacy LOS systems move files, not decisions
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High total cost of ownership and heavy information technology dependency
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Slow policy and product changes
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Poor first-mile data quality
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Underwriter fatigue and rework
Digital Sourcing & First-Mile Journeys
Product-specific journeys with phygital and offline sourcing capabilities.
AI-Driven Credit Decisioning
Intelligent underwriting powered by policy-driven decision logic.
Complete LOS Workflows
End-to-end loan origination with no handoffs or duplication.
Sanctioning & Fulfilment
Streamlined post-approval processes maintaining speed and compliance.
Post-Sanction & Lifecycle Events
Complete lifecycle management from disbursement to closure.
Dealer & DSA Channel Management
Built-in VISTAAR Channel Partner OS for ecosystem management.
AI-Enabled IPA —The Brain of the Platform
IPA is not a pre-sanction tool. It is the decisioning core of the LOS.
- Define credit policy once. Decimal converts it into executable decision logic.
- Forms, APIs, document rules, and AI extraction are created automatically.
- Intelligent extraction and validation of documents with high accuracy.
- Underwriters see meaningful indicators, not raw documents.
- No handoffs. No duplication. No external engines.
Faster decisions. Cleaner files. Lower underwriting effort.
AI-Vibe No-Code Journeys
SME, Auto, CV, and PL journeys
Dealer-specific & DSA-specific flows
Phygital + offline support
VISTAAR – Channel Partner OS
Partner onboarding & compliance
Policy-aligned sourcing
CRM, performance, incentives & payouts
Change Credit Policies Without IT Dependency
- Credit teams modify policies themselves
- Launch new schemes in days
- Sandbox and what-if simulations
- Full governance and audit trails
Powering Lending Across Products
SME Lending
AI-driven SME lending platform covering sourcing, credit decisioning, LOS workflows, and fulfilment. Explore SME Lending Platform
Auto Loans
Streamlined auto and two-wheeler financing with dealer-centric journeys and intelligent decisioning.
Commercial Vehicle Lending
Fleet intelligence, behavioural indicators, and policy-driven decisioning for commercial vehicle financing.
Personal Loans
AI-powered eligibility, fast digital journeys, and scalable workflows for high-volume personal lending.
LAP & Home Loans
AI-enabled LAP and Home Loan platform covering property assessment, credit decisioning, legal verification, and end-to-end fulfilment.
Gold Loans
High-velocity gold loan processing with standardized valuation, fraud prevention, and seamless digital journeys.
