The risk team gains autonomy. The institution keeps control.
With uFlow, risk teams design, test, version and update credit policies from a visual editor, without requiring an IT development for every change. The organization keeps permissions, traceability, security and publishing control.
Building the engine in-house gives you full control, but it costs time and a permanent team to maintain it. A generic engine speeds up the start, yet it tends to be rigid and dependent on technical profiles. uFlow strikes the balance: autonomy for the risk team to change policies in hours, within defined permissions and controls, with the governance and traceability a regulated institution requires.
Three ways to automate your credit decisions
What a financial institution gets from each option, across the dimensions that actually matter.
| Build in-houseFull control, but expensive and slow to evolve. | Generic / legacy engineRigid rules, dependent on technical consulting. | uFlowAutonomy for the risk team, with governance and traceability. | |
|---|---|---|---|
| Changing a credit policyFrom the moment it is decided until it runs in production. | Weeks or months (IT release) | Days, requires a technical profile | Hours, self-service for the risk team |
| Autonomy for the business / risk team | Every policy change requires an IT development cycle | Partial, with technical support | Autonomy within defined permissions and controls, with a NoCode editor |
| Policy versioning and rollbackReverting to an earlier version during an incident. | Has to be built and maintained | Limited or manual | Automatic versioning with controlled reactivation of previous versions |
| Testing environments before productionTesting changes without affecting real decisions. | To be built by each team | Depends on the implementation | Built-in testing environments |
| Traceability and audit of every decisionInput, rules applied and outcome, all auditable. | To be built; ongoing maintenance cost | Coverage varies | Complete log + transaction explorer |
| Segregation of roles and permissions | To be built and governed | Available | Per-user permission administration |
| Pre-certified credit bureaus and data sourcesWithout integrating each provider one by one. | Build your own integration per source | Limited catalog | 30+ pre-certified providers across Latin America |
| Machine learning without your own infrastructure | Maintain Python / R environments | Not covered or limited | Run Python or R models without operating those environments |
| Certified security | Your own responsibility | Varies by provider | ISO/IEC 27001, 2FA, encryption at rest and in transit |
| Infrastructure and scalability | You provision and maintain everything | Deployment and scalability depend on each provider | Serverless in the cloud, scales automatically |
| Total cost and time to production (TCO) | High capex + a dedicated team | Licenses + consulting | SaaS: typical implementation in weeks, depending on each institution |
Changing a credit policy
From the moment it is decided until it runs in production.
Autonomy for the business / risk team
Policy versioning and rollback
Reverting to an earlier version during an incident.
Testing environments before production
Testing changes without affecting real decisions.
Traceability and audit of every decision
Input, rules applied and outcome, all auditable.
Segregation of roles and permissions
Pre-certified credit bureaus and data sources
Without integrating each provider one by one.
Machine learning without your own infrastructure
Certified security
Infrastructure and scalability
Total cost and time to production (TCO)
What can be stated about the engine, and where it comes from
Every claim with its context and its source, so you can check it during due diligence.
- ✓
Policy changes that used to take months are now managed in hours
Self-service for the risk team, within defined permissions and controls. Reported by a customer in production.
Source: Testimonial from Felix Diaz, Credit Risk Director at CredijamarAs of July 2026
- ✓
Automatic versioning with controlled reactivation of previous versions
Every version is recorded and can be reactivated in a controlled way, without an IT deployment.
Source: uFlow security: versioning, roles and access controlAs of July 2026
- ✓
Typical implementation in weeks
Depending on each institution's integrations, security and approval processes. SaaS model with no infrastructure to maintain.
Source: uFlow success story in the cloud: serverless architectureAs of July 2026
Autonomy for the business, control for the bank
Your risk team changes policies without requiring an IT development for every change. The institution keeps the governance, traceability and security its regulator requires.
Policy governance
Automatic versioning, testing environments and controlled deployment. Change a policy in hours, with controlled reactivation of previous versions.
Traceability and audit
Every decision records its input, the rules applied and the outcome. Explore past transactions: the basis for audit and compliance.
Certified security
ISO/IEC 27001:2022, 2FA authentication, JWT tokens and encrypted data on AWS serverless infrastructure.
uFlow does not replace your IT team: it reduces their involvement in day-to-day policy changes so they can focus on integration, architecture, security and governance.
Everything you need to know
Does uFlow replace my IT team?+
No. It gives the risk and business teams the autonomy to design and change credit policies without writing code, while IT keeps control through roles, permissions, testing environments and the REST API used for integrations.
How does uFlow govern credit policy changes?+
Every policy has automatic versioning: you can store all of its versions, test them in testing environments and reactivate a previous version instantly. Per-user permissions define who can edit, test and deploy to production.
Are decisions auditable for a regulator?+
Yes. Each decision records its input, the rules applied and the outcome, and you can explore previous transactions. That end-to-end decision traceability is the basis for audit and compliance work.
What security certifications does uFlow hold?+
uFlow holds the ISO/IEC 27001:2022 certification, and uses 2FA authentication, JWT tokens and encrypted data on serverless cloud infrastructure.
Build, buy, or choose uFlow
Transform your credit assessment process with the decision engine.