What is Webhook?
Technology
A webhook is an automatic notification the platform sends to a customer system when something happens, for example when a decision finishes. Instead of the system asking over and over whether there is news, it receives the result as soon as it is ready.
Why it matters
In asynchronous decisions or long processes, polling in a loop is expensive and slow. A webhook flips the relationship: the platform notifies, the receiving system reacts.
To be reliable, the receiver must validate that the notification really comes from the platform and be ready to receive the same notification more than once.
- Result delivered as soon as it is available, without polling.
- Ideal for asynchronous decisions and batch processes.
- Requires validating the notification signature on the receiver.
Common questions
What if the receiving system is down?+
The notification does not arrive, so the design must account for it: keep the option to query the result via API and tolerate receiving the same notification twice without duplicating effects.
Related terms
Batch processing
Batch processing evaluates many cases at once against a policy, instead of answering application by application. It is used to re-score a portfolio, build pre-approved campaigns and test a new policy on historical volume.
Decision engine
A decision engine is software that automates credit application assessment by applying business rules, scoring models and external data to return a decision — approve, decline or refer — in milliseconds. Unlike custom-built code, it lets the risk team configure and change policies without engineering involvement.
Decision tree
A decision tree is the visual representation of a credit policy as a sequence of conditions (if/then) leading to an outcome. In a no-code engine it is built by dragging blocks, which lets business and risk teams design and read the logic without writing code.
Back to the full glossary.
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