Consumer Lending
Western Dental Builds a Scalable Decisioning Foundation for Payment Plans and Collections
Introduction
Western Dental offers patient payment plans to make dental care more accessible, which depends on fast, reliable credit and collection risk decisions. Running those workflows on Provenir’s Decision Intelligence Platform, Western Dental now connects new data sources in days rather than weeks, scales with growing volume and updates decision logic without a full development cycle.
The Challenge
Western Dental offers patient payment plans and manages collection risk across its portfolio. Both depend on fast access to credit bureau and alternative data, and on decision logic that keeps pace as volume grows and risk appetite shifts.
On the platforms Western Dental had used before, connecting a new data vendor was a heavy lift. Integration logic had to be rebuilt for each new source, which slowed vendor pilots and delayed the value of new data. As the business grew, the team needed a decisioning foundation that could absorb higher volume and let them adjust rules and models without starting a development cycle each time.
The Solution
Western Dental runs Provenir as its core decisioning platform for payment plans and collection risk workflows. Provenir’s pre-built connector library and standardized API framework give the team one consistent way to bring credit bureaus and alternative data providers into decision flows.
The cloud-based platform handles rising transaction throughput as volume grows. The visual workflow builder and low-code environment let the risk team update rules and models as the portfolio and risk appetite evolve. Version control and audit trails support change management and compliance review.
Provenir’s professional services team supported the implementation of Western Dental’s decision flows from start to finish.
“We used their development support to implement our decision flows; excellent professional support was provided throughout the project.”
The Results
- Faster time-to-value on new data:
New data sources can typically be wired into decision flows in days rather than weeks, shortening time-to-value on vendor pilots.
“New data sources can typically be wired into a decision flow in days rather than weeks, which has meaningfully shortened our time-to-value on vendor pilots.”
- Scale without re-architecture:
Transaction volume has grown without any need to re-architect decision logic.
- Less reliance on engineering:
Routine rule changes no longer depend on engineering resources or a full development cycle, so the risk team can respond as conditions change.
- Smoother change management:
Version control and audit trails make change management and compliance review easier to run.
A Foundation that Grows With the BusinessWith the Business
“Provenir has given us a flexible, scalable foundation for decisioning that grows with us rather than against us.”
See how Provenir’s Decision Intelligence Platform supports payment plan and collections decisioning.
About Western Dental
Founded more than 120 years ago, Western Dental is a full-service dental provider with more than 260 offices across California, Arizona and Nevada, offering general and pediatric dentistry, orthodontics, implants and oral surgery. Western Dental is part of Sonrava Health, whose family of dental brands operates more than 560 offices.
About Western Dental
- Facts:
Founded more than 120 years ago, Western Dental is a full-service dental provider with more than 260 offices across California, Arizona and Nevada, offering general and pediatric dentistry, orthodontics, implants and oral surgery.
- Headquarters:
Orange, California
- Website:
