Decisioning Engine

Your Underwriting Playbook. Automated.

Worth's Decisioning Engine takes the rules your risk team already uses and turns them into automated, auditable workflows — so clear cases get decided instantly and your team stays focused on the ones that actually need judgment.

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Rules You Control, Decisions You Can Explain.

The Decisioning Engine connects your underwriting criteria to automated outcomes — approvals, declines, and manual review queues — all powered by Worth's data layer and built for regulated teams.

Configure Your Approval Logic

Build workflows using your own criteria across KYB, KYC, financials, fraud signals, and custom fields. Combine conditions with AND/OR logic to reflect exactly how your team evaluates risk.

Automate the Clear Cases

Applications that meet your defined thresholds are approved or declined automatically, in real time, with sub-500ms response times. Edge cases route to manual review with full context already surfaced, no digging required.

Explain Every Decision

Every workflow execution is logged with the rule version and criteria that fired. Risk analysts, underwriters, CROs, and sponsor banks can see exactly how any decision was made, even as workflows evolve over time.

Transparent Risk Assessment

Consistent Decisions Across Your Entire Portfolio

Manual underwriting creates inconsistency. One analyst might approve what another declines. Worth's Decisioning Engine eliminates that gap by encoding your risk policy into configurable workflows that run the same way every time. Benchmark your outcomes against 700 million+ SMB profiles, layer in Worth Score™ for AI-powered scoring context, or run purely on your own rule logic — the choice is yours. Either way, every decision is defensible, audit-ready, and explainable down to the rule that fired.

Faster Credit Decisions

Accelerate Approvals with Deeper Insight

Move beyond static bureau scores. Worth Score™ delivers real-time visibility into credit exposure, financial health, and operational risk — empowering teams to approve faster without sacrificing accuracy. Identify opportunities, mitigate downside risk, and streamline underwriting with a unified risk metric.

Comprehensive Business Intelligence

Make Decisions Backed by Complete Business Profiles

Worth combines cutting-edge machine learning with powerful explainability methods to deliver a transparent, insightful, and undeniably unified score. Dive deep into the data, understand your customer’s risk profile, and unlock the secrets to their financial future. Integrate more than 1,100+ data points from various unstructured sources and see a comprehensive snapshot with Worth Score™.