AI-Powered Decisioning Engine for the Fintech Sector

Client: Provider of low-code/no-code (LCNC) platforms for fintech workflow automation and orchestration

Industry: Fintech

Scope: Architecture design and end-to-end product development

Key technologies: AI/ML, TensorFlow, Apache Spark, Google Cloud Platform (GCP), Grafana, Kibana

Challenge

The client needed a SaaS platform for lenders and credit providers that could automate complex financial workflows and meet the demands of enterprise financial services.

To achieve this, the platform needed to:

• Support advanced Business Process Management (BPM).
• Use AI and ML to improve decisioning and scoring.
• Scale reliably in a cloud environment.
• Comply with financial-sector standards, including PSD2 and GDPR.
• Integrate with third-party risk assessment and verification services.

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Solution

Neontri engineered a scalable SaaS platform for the lending and credit sector, centered on an AI-powered decisioning and scoring engine.

The architecture connected data processing, AI/ML components, monitoring, data warehousing, and third-party integrations through a central data stream.

The AI-powered decisioning platform was built around five capabilities:

• Intelligent automation: Leverages an AI/ML core to automate scoring and complex decision-making processes.
• Low-code workflow orchestration: Empowers non-technical users to build and modify business processes without IT intervention.
• Scalable cloud-native architecture: Built for high performance and reliability, allowing the business to scale efficiently.
• Robust security: Designed with a security-first approach to ensure full compliance with GDPR and PSD2 regulations.
• Third-party integrations: Connects with risk assessment and borrower verification services.

Delivery approach

Neontri took full responsibility for the entire product development lifecycle, from architecture and technical design to market-ready delivery. Here is how the client described the project:

“The two most impressive elements of our cooperation are their strong technical expertise and reliable delivery. Their development process is outstanding; they set the right priorities at the right time, and their lean methodology works well for bringing innovative ideas to life.”

– CEO, technology company

Results

The impact was clear on two levels: a stronger commercial foundation for our client and measurable efficiency gains for companies using the product.

For our client:

• The platform has been adopted by four enterprise customers, supporting the company’s international expansion strategy.
• It automates processes that previously required manual intervention or external support.
• It supports a scalable model extending beyond fintech into insurance, telecoms, and debt collection.
• Its low-code functionality allows non-technical users to update processes in near real time, reducing IT dependency and freeing teams to focus on business development.

For enterprise customers:

• 78% lower IT development costs for new platform features.
• 80% reduction in ongoing maintenance spend.
• 51% decrease in infrastructure overhead through cloud optimization.

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