RappiCard × uFlow
How RappiCard automated credit card application assessment in Mexico with the uFlow decision engine.
The challenge
RappiCard — Rappi's credit card in Mexico — needed to scale credit card application assessment with agility and precision, in a context of high volume and fast growth. The risk team required the ability to adjust its lending policies autonomously, without depending on the IT team for every change.
The solution
Because of its flexibility, RappiCard implemented uFlow's 100% web, cloud and NoCode decision engine. With a drag-and-drop interface, the risk team designs and modifies its credit assessment rules autonomously, and the engine integrates over a REST API into the onboarding and card application flow.
The results
uFlow was integrated into RappiCard's onboarding flow in under three months, over a REST API. The risk team now creates and modifies lending rules without depending on IT, while keeping version history and a record of every decision. Reprocessing dropped by 90% and, six months in, policy programming was 80% faster: changes that used to take months are now resolved in hours, and the applicant gets an answer in minutes.
Let's talk about your decision process
We review how you decide today and show you how it would work in the engine, with your own sources and policies.