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LENDING INFRASTRUCTURE
FOR A MORE INCLUSIVE WORLD

The Decisioning
Layer for Lending

Connect data, risk models and credit policies into real-time lending decisions.
Keep your models. Keep your policies.
TaksitAI orchestrates the decision.
Book a Demo → Explore the Platform
◎
Flexible Use your data and models
▥
Better decisions Higher approval, lower risk
ϟ
Faster time to value Weeks, not months
Application #28491
● Real-time
◉
Credit Bureau Credit history & obligations
▤
Bank Data Transactions, income, expenses
○
KYC / Identity Identity verification & fraud
⌁
Alternative Data Telco, device, behavioral data
◇
Your Models Use your existing models
▱
Credit Policies Your business rules
TAKSITAI
DECISIONING LAYER
01 DATA
Connect multiple sources
02 MODELS
Use and combine your models
03 POLICIES
Configure business rules
04 DECISION
Real-time, explainable
05 OUTCOME
Measure and optimize
BUILT BY LENDING
TECHNOLOGY EXPERTS
15+ years in lending technology
300+ lending implementations
7+ markets
A MORE INCLUSIVE
FINANCIAL WORLD
How it works

Your data. Your models. Your policies. One decisioning layer.

TaksitAI connects all your data sources, models and credit policies into a single decision flow, so you can launch, test and optimize lending strategies — without changing your core systems.
01 DATA Connect any data source
◉
Credit Bureaus Credit history, obligations and scores
▦
Bank Data Transactions, income, expenses
♙
KYC / Identity Verify identity and prevent fraud
⌯
Alternative Data Telco, device, behavioral data
▤
Internal Data Your customer and application data
02 TAKSITAI Orchestrate your decisioning strategy
Decisioning Layer
◇
Model Orchestration Use and combine your models
▤
Policy Engine Configure and manage rules
▥
Affordability & Risk Real-time calculations
↻
Strategy Optimization A/B testing, champion–challenger
♢
Explainable Decisions Reason codes and audit log
03 ACTION Send the decision to your systems
✓
Approve Limit, term, price
−
Decline With reason codes
◷
Review Manual review queue
⇄
Route Multi-lender / product routing
⚙
Execute Send to your core system
♢
Keep full control Your models. Your policies. Your risk strategy.
ϟ
Launch faster Configure and test new strategies in days, not months.
▥
Better outcomes Higher approval, lower risk, more profitable lending.
▱
Works with your stack Integrate via API without replacing your core systems.
Flexible.
Open.
Built for
lenders.
Better outcomes

Turn lending strategy
into better outcomes.

Test, compare and optimize credit strategies with real data. TaksitAI helps you increase approvals, reduce risk and grow profitable lending.
+28%
Approval Rate
vs. existing strategy
-35%
DPD30
vs. existing strategy
+24%
Profitability
per booked loan
Current Strategy Live
Your existing models and policies
Approval Rate 42%
DPD30 7.8%
Average NPV per Loan $210
Challenger Strategy Test
AI-assisted strategy in shadow mode
Approval Rate 54%
DPD30 5.1%
Average NPV per Loan $260
Loan Performance Over Time
Approval Rate ⌄
70% 60% 50% 40% 30% 20%
Jan Feb Mar Apr May Jun
+28% higher approvals
Current Strategy Challenger Strategy
▥
Data-driven strategy Make decisions based on real performance, not assumptions.
⚗
Test without risk Run challenger strategies in shadow mode.
◔
Optimize with AI Get AI recommendations and keep control.
ϟ
Scale what works Deploy winning strategies across products and segments.
Integrate easily

Works with your stack. No disruption.

Integrate TaksitAI through API and start creating value without replacing your core systems. Keep your infrastructure, data and models — TaksitAI fits into your ecosystem.
◉
Core Banking Loans, customers, accounts
⚙
Loan Origination Applications and workflows
▦
Data Platform Warehouses and internal data
◇
Third-Party Services KYC, bureau, fraud, open banking
DECISIONING LAYER
◇
API Connect systems and data
ϟ
Decision Engine Run models and policies
⇄
Webhooks Return decisions instantly
♢
Secure & Scalable Controlled and auditable
✓
Real-time decisions Approve, decline, review
▥
Send results Return decisions to your systems
↻
Sync outcomes Keep strategy performance aligned
♢
Enterprise-ready Security, control and auditability
◷
Fast integration REST API, webhooks and flexible connectors to your existing systems.
▱
Flexible architecture Use what you already have. Add only what you need.
♢
Secure by design Decision history, access control and full audit trail.
◎
Built for lenders Designed for lending workflows, risk teams and decision operations.
API-first Architecture
Real-time Decisioning
Modular Integration model
Open.
Flexible.
Built for lenders.
Bring your own model

Keep the models you trust. Orchestrate them better.

Use your existing scorecards, risk models and machine learning models inside one decision flow. TaksitAI orchestrates how they work together — without forcing you into a black box.
Your models
◫
Credit Scorecard Your existing risk score
ON
◇
ML Risk Model Your machine learning model
ON
▦
Affordability Model Income and payment capacity
ON
◎
Fraud Model Fraud and anomaly signals
ON
+
Any External Model Connect via API
API
Model Orchestration
01
Run Execute models in real time
LIVE
02
Combine Use multiple model signals
AUTO
03
Compare Champion–challenger testing
TEST
04
Explain Keep model outputs traceable
LOG
Decision output
Model signals
Credit Score 742
Risk Probability 3.8%
Affordability 72%
Fraud Risk Low
Combined decision
APPROVED
$12,500
Limit generated from your models, policies and risk strategy.
◇
Bring your own models Keep the models your risk team already knows and trusts.
⇄
Combine multiple signals Orchestrate scorecards, ML and external models together.
⚗
Test challengers safely Compare new models without replacing production logic.
♢
Stay in control No black box. Keep every model output traceable.
Policy Engine

Turn credit policy into real-time decisions. Without hard-coding every change.

Configure rules, thresholds and decision paths in one place. TaksitAI helps risk teams change lending strategy faster while keeping every decision controlled, versioned and explainable.
Application
Application #28491
● LIVE
Customer New
Product Personal Loan
Requested Amount $12,500
Income $4,800
Risk Score 742
Retail Lending Policy Production strategy
VERSION 12
◉
Credit Score Score ≥ 680
▦
Affordability DTI ≤ 40%
◇
Fraud Check Risk = Low
✓
Policy Passed Continue decision flow
◷
Review Branch Route exceptions manually
✓
Final Policy Result Eligible for approval
Decision
Decision Result
APPROVED
Credit Limit $12,500
Term 12 months
Risk Tier A2
Policy Status Passed
Decision reasons
✓ Score threshold passed
✓ Affordability within policy
✓ No blocking fraud signals
▤
Configure policies Manage lending rules and thresholds in one place.
⇄
Build decision paths Route approve, decline and review scenarios dynamically.
⟳
Change faster Update strategy without rebuilding your core systems.
♢
Keep every decision traceable Version policies and preserve the logic behind each decision.
Data & Integrations

Connect the data your decisions need. Bring every signal into one flow.

Connect bureau, banking, identity, fraud, alternative and internal data through one decisioning layer. TaksitAI orchestrates when each source is called, how the data is used and where the result goes next.
Data sources
◉
Credit Bureaus Credit history, scores and obligations
API
▦
Banking Data Transactions, income and expenses
LIVE
○
KYC & Identity Identity verification and customer checks
API
◇
Fraud & Device Fraud, device and anomaly signals
LIVE
⌁
Alternative Data Telco, behavioral and external signals
API
▤
Internal Data Customer, application and portfolio data
CORE
CREDIT DATA
CUSTOMER DATA
RISK SIGNALS
OUTCOMES
Data Orchestration Layer
01
Connect Call the right source
API
02
Normalize Structure incoming data
DATA
03
Enrich Combine multiple signals
FLOW
04
Use Feed models and policies
LIVE
Unified decision data
Application Data
READY
Credit Profile Complete
Verified Income $4,800
Existing Obligations $1,260
Identity Status Verified
Fraud Risk Low
Available to decision engine
Models
Policy Engine
Affordability
Strategy Optimization
⌘
Connect any source Use bureau, banking, KYC and alternative data.
⇄
Orchestrate data calls Control when and why each source is requested.
▦
Normalize decision data Bring different data formats into one flow.
◇
Keep your stack open Add new providers without rebuilding your decision logic.
Explainable Decisions

Know exactly why every decision was made. Every input. Every rule. Every version.

TaksitAI keeps a complete snapshot of every lending decision — including the data used, model outputs, policy version and reason codes. Your risk team can always trace what happened and why.
Decision
Lending Decision
APPROVED
Decision ID DEC-28491-A7F2
Application #28491
Credit Limit $12,500
Term 12 months
Policy Status Passed
Decision Snapshot Exact state used at decision time
● CAPTURED
Input Data
SOURCE SNAPSHOT
Credit Score 742
Verified Income $4,800
DTI 31.2%
Fraud Risk Low
Model Outputs
VERSIONED
Risk Model v4.8
PD 4.7%
Affordability Model v2.3
Capacity Passed
Policy Execution
POLICY V12
Score Threshold Passed
DTI Threshold Passed
Fraud Rule Passed
Final Route Approve
Explanation
Reason Codes
✓
Credit score passed Above policy threshold
RC-101
✓
Affordability passed DTI within approved range
RC-203
✓
Fraud checks passed No blocking signals
RC-312
✓
Policy eligible All mandatory rules passed
RC-401
Audit Context
Policy Version 12
Model Version 4.8
Decision Time 428 ms
Audit Status Complete
#
Unique Decision ID Trace every lending decision from application to outcome.
◫
Decision Snapshot Preserve the exact data, models and policy state used.
✓
Clear Reason Codes Explain approvals, declines and manual review routes.
◎
Full Audit Trail Keep version history and decision context traceable.
Built from real lending experience

We didn't start with AI. We started with lending.

TaksitAI is built on years of hands-on experience designing and implementing lending infrastructure for banks, finance companies and fintech lenders across multiple markets.
Why TaksitAI

After hundreds of lending implementations, one problem kept appearing: decisioning was fragmented.

Data lived in one system. Models in another. Credit policies were hard-coded into workflows. Every strategy change required time, development and coordination across multiple teams.

TaksitAI was built to create one decisioning layer between data, risk models, credit policies and lending execution.
15+
Years
Building lending and fintech infrastructure.
300+
Implementations
Across banks, lenders and financial institutions.
7+
Markets
Experience across multiple lending environments.
From infrastructure to intelligence THE JOURNEY
2009+
Lending Systems Origination, servicing and credit workflows.
SCALE
300+ Implementations Real lending operations across multiple institutions.
INSIGHT
The Same Problem Data, models and policies remained fragmented.
TAKSITAI
Decisioning Layer One infrastructure layer for modern lending decisions.
Lending experience across markets REGIONAL + GLOBAL MINDSET
Kazakhstan
UAE
Saudi Arabia
Uzbekistan
Azerbaijan
Kyrgyzstan
Tajikistan
New Markets
◉
Built for real lending Designed around actual credit operations and workflows.
▦
Infrastructure mindset Built to fit between existing systems, data and risk teams.
⇄
Market-tested thinking Shaped by different credit products and regulatory markets.
◇
Built to scale From one lending strategy to a multi-market decision layer.
Ready to build better lending decisions?

Turn your lending strategy into real-time decisions. With TaksitAI.

Connect your data, models and credit policies in one decisioning layer. Launch faster, test new strategies safely and keep full control over every lending decision.
Book a Demo → Talk to our team
Use your existing models
Keep your credit policies
Integrate with your current stack
CREDIT DATA
RISK MODELS
CREDIT POLICIES
Decisioning Layer
01
Data Connect decision signals
READY
02
Models Run your risk models
RUN
03
Policies Execute credit strategy
PASS
04
Decision Return result instantly
LIVE
Decision
✓ APPROVED
Explainable decision returned in real time.
THE DECISIONING LAYER
FOR LENDING
Flexible Your models. Your policies.
Explainable Every decision traceable.
Built for lenders Infrastructure, not another black box.