uFlow for banks

How does a decision engine integrate with core banking without 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 and uFlow is the decision layer, so there is no migration and no replacement involved: the core does not need to know about policies or bureaus, only to request a decision and receive one. Each channel gets its own credential, with separate identities per consuming system.

The same flow serves real-time individual origination and batch portfolio rescoring.

• 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.

How does credit policy governance align 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 and its author. That translates the three lines of defense into concrete permissions. The first line, the risk team, works autonomously and publishes its changes without depending on IT. The second reviews and approves with the policy in front of it, before anything reaches production. The third, internal audit, does not depend on someone explaining the process: it reviews the version history and the evidence each publication left behind.

Testing environments let a policy be validated against real cases before it is approved.

• 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.

What evidence is left for internal audit and the regulator?

In uFlow every evaluated transaction is recorded with its input variables, the policy version applied and the outcome, so when a request comes in you reconstruct the specific decision instead of reconstructing an explanation. The history is searchable for reviews and sampling, and results export as documentary support for an audit. 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, which is usually the first thing a reviewer asks for when a specific case is in dispute. The record is per decision: there is no need to cross logs across systems.

The transaction explorer filters by period, policy or outcome to assemble a sample.

• Searchable transaction history for reviews and sampling.
• Reconstructable decisions: input, policy applied and outcome.
• Export of results as documentary support for an audit.

What security documentation is available for vendor due diligence?

uFlow shares its security documentation under a confidentiality agreement and answers whichever due diligence questionnaires the bank uses, supporting your security and procurement teams throughout the review. The platform is certified under ISO/IEC 27001:2022 and runs on serverless cloud infrastructure, with data encryption at rest and in transit, two-factor authentication, attribute-based access control and continuous monitoring. For a regulated institution this matters before functionality does: if the vendor does not clear the technology risk assessment, the product conversation never happens.

The full set of controls is published on the security page.

• ISO/IEC 27001:2022 information security certification.
• Data encryption, 2FA and attribute-based access control (ABAC).
• Security documentation and due diligence questionnaires under NDA.

How does a bank implement uFlow, and how long does it take?

Go-live is worked on together and is measured in weeks rather than in infrastructure project cycles: it starts with a review of your loan origination process, continues with API integration into your systems and configuration of the credit policies alongside your risk team, and ends with a supported release to production. The actual timeline depends on how many integrations need to be resolved and on each institution's internal approval times. The goal of that support is that your team ends up operating the engine autonomously, without depending on the vendor for every policy change.