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Financial Decision Engine Development for Customer-Centric Banking Solutions

oxagile.com

Financial services

Insurance

Business services

Challenges in Traditional Banking Product Allocation

Manual loan approval processes, fragmented customer data sources, lack of transparency in decision-making, and regulatory compliance complexities hinder efficient banking product distribution and customer satisfaction.

About the Client

A forward-thinking financial institution focused on leveraging data-driven solutions to enhance banking product allocation and customer experience.

Key Objectives for Financial Decision Engine Development

Automate loan eligibility determination through transparent decision-making algorithms
Centralize customer data from internal and external sources for comprehensive risk assessment
Enhance regulatory compliance through detailed audit trails and reporting capabilities
Improve operational efficiency for bank staff via intuitive interface design
Enable flexible configuration of credit parameters and decision templates

Core System Functionalities Required

Multi-source customer data aggregation via API integrations
Rule-based automated loan eligibility assessment engine
Role-specific user interface for bank personnel with decision workflow visualization
Regulatory audit trail generation with version-controlled decision history
Dynamic credit parameter calculation and template-based decision modeling

Technology Stack Preferences

Ruby

API-first architecture

Cloud-native infrastructure

Critical System Integrations

Internal banking systems (core banking, CRM)
External credit bureaus and financial data providers
Regulatory reporting frameworks
Identity and access management solutions

Essential Non-Functional Requirements

High-availability architecture with 99.9% uptime SLA
Real-time decision processing within 2-second SLA
Role-based access control with GDPR/CCPA compliance
Horizontal scalability for peak loan application periods
Automated system health monitoring and alerting

Expected Business Impact of Financial Decision Engine Implementation

Anticipated 40% reduction in loan processing time, 60% improvement in regulatory audit preparedness, and 30% increase in customer satisfaction scores through faster, more transparent financial product allocation decisions.