uFlow for banks
The decision engine with the governance, decision traceability and evidence a supervised institution needs, without giving up business speed.
A bank does not evaluate a tool only by what it does: it evaluates it by what it can prove. uFlow automates credit assessment with segregated permissions, policy versioning and per-transaction evidence, built to get through operational risk reviews, internal audit, information security and the regulator.
It integrates with your architecture instead of replacing it
The engine is consumed over a REST API from the core banking system, digital onboarding or your channels: it receives the credit application, orchestrates calls to credit bureaus and internal sources, runs the credit policy and returns the decision with its detail. The core remains the system of record; uFlow is the decision layer.
- REST API with token authentication and separate identities for each consuming system.
- Calls to credit bureaus, flat files and your own web services within a single flow.
- Real-time individual processing or batch processing, for loan origination and portfolio rescoring.
Governance aligned with the three lines of defense
Credit policies are designed, tested and published inside the engine with separate roles: whoever designs is not whoever approves, and every publication is recorded with its version. The risk team operates autonomously; audit reviews with evidence.
- Specific roles and permissions to design, test and publish credit policies.
- Policy versioning with a full change history.
- Testing of a policy before it is moved to production.
Evidence for internal audit and the regulator
Every evaluated transaction is recorded with its input variables, the policy version applied and the outcome, which lets you reconstruct a specific decision when it is requested. Depending on your configuration and on what the contracts with each source allow, the detail of the responses from the credit bureaus queried can also be retained.
- Searchable transaction history for reviews and sampling.
- Reconstructable decisions: input, policy applied and outcome.
- Export of results as documentary support for an audit.
Security and vendor due diligence
uFlow is certified under ISO/IEC 27001:2022 and runs on serverless cloud infrastructure, with data encryption, two-factor authentication and continuous monitoring. For your vendor assessment process, we share our security documentation under a confidentiality agreement and support your security and procurement teams throughout the review.
- ISO/IEC 27001:2022 information security certification.
- Data encryption, 2FA and attribute-based access control (ABAC).
- Security documentation and due diligence questionnaires under NDA.
Implementation with hands-on support
Go-live is worked on together: a review of your loan origination process, API integration with your systems, configuration of the credit policies alongside your risk team, and a supported release to production. The goal is that your team ends up operating the engine autonomously, without depending on the vendor for every change.
Everything you need to know
Does uFlow replace the core banking system?+
No. uFlow is the decision layer: it integrates over an API with your core, onboarding and channels, runs the credit policy and returns the outcome. The core remains the system of record for the operation.
How does uFlow support an audit or a regulatory request?+
Every transaction is recorded with its input variables, the policy version applied and the outcome, which lets you reconstruct specific decisions and export results as documentary support. The level of detail retained from each source depends on your configuration and on the contracts with each provider.
What access controls does the platform offer?+
Two-factor authentication (2FA), attribute-based access control (ABAC) with specific roles and permissions, and separate identities per system for API consumption.
What does the due diligence process to contract uFlow look like?+
We share our security documentation and complete vendor assessment questionnaires under a confidentiality agreement, and our team supports the security, legal and procurement review stages. Write to us from the contact page to start the process.
Is your bank evaluating a decision engine?
Book a technical demo or start the due diligence process with our team.