The Shifting Consumer Credit Landscape Necessitates Credit Decisioning Platforms
As consumer expectations evolve and economic conditions remain uncertain, the need for agile, intelligent credit decisioning has never been greater. In this guest article for Global FinTech Series, Michael Fife explores how modern, AI-powered platforms are transforming the way financial services organizations assess risk, deliver faster approvals, and meet the demands of a digital-first world. Read the full article to discover why the future of credit decisioning is already here.
Datos Insights Spotlights Best-in-Class Data and Fraud Orchestration Capabilities of the Provenir AI Decisioning Platform
The platform enables organizations to stay ahead of fraud threats, with readily available data sources that can be easily integrated into decisioning workflows, AI model creation and monitoring
Parsippany, NJ – March 20, 2025 – As fraudsters continue to exploit any weaknesses in financial services systems, financial institutions must stay ahead of fraud threats, necessitating an integrated approach to risk decisioning across both fraud prevention and credit risk use cases.
Provenir, a global leader in AI risk decisioning software, is addressing this need, assisting more than 145 financial institutions and fintech firms worldwide, with its Provenir AI Decisioning Platform.
The “Orchestration Solution Fact Check: Provenir” by Datos Insights outlines the key components and features of the Provenir AI Decisioning Platform, including an overview of its flexible fraud orchestration, extensive marketplace of more than 150 third-party data and service providers, and a preview of the company’s product roadmap for 2025.
According to Datos Insights, “Provenir’s orchestration platform takes an integrated approach to risk decisioning across both fraud prevention and credit risk use cases. The platform’s low-code configuration capabilities and impressive marketplace of pre-built integrations enable organizations to implement sophisticated decisioning workflows, on a real-time basis, without extensive technical resources.”
The report also highlights Provenir’s continued focus on reducing the complexity of risk-decisioning to reach more non-technical users. The future roadmap of the platform “is focused on enhancing simulation capabilities and improving the business user interfaces, demonstrating Provenir’s commitment to making sophisticated risk decisioning more accessible to non-technical users while maintaining the flexibility needed for complex enterprise deployments.”
“Financial services providers face increasingly sophisticated fraud threats, economic uncertainty, and regulatory scrutiny, making real-time, AI-driven decisioning more critical than ever, … Yet poor data integration, lack of explainability, and weak fraud insights remain major barriers. Without seamless data orchestration and transparent AI, institutions risk ineffective fraud detection, more false positives, and missed threats—compromising security and performance. AI-driven fraud decisioning isn’t just about adoption; it requires a strong data strategy to unlock value, enhance explainability, and improve both fraud prevention and business outcomes.”
The Provenir AI Decisioning Platform combines advanced analytics and machine learning to reduce false positives, minimize customer friction, and enhance application fraud detection for more accurate decision-making. A key attribute of the platform is its flexible and open approach to data orchestration, allowing organizations to tailor decisioning strategies to their risk tolerance. Unlike restrictive solutions, Provenir enables businesses to seamlessly swap in and out best-of-breed point solutions as fraud trends evolve, ensuring they stay ahead of emerging threats. Additionally, Provenir provides advisory services to help customers select the right data providers and identify key data attributes for detecting specific fraud behaviors.
The complete “Orchestration Solution Fact Check: Provenir” report by Datos Insights
Powerpay, headquartered in Lima, Peru, operates as part of the BBVA Group, a leading global financial institution. Founded in 2022, the company was launched with the goal of providing flexible payment solutions to consumers. As a pioneer in the Peruvian market, Powerpay aims to become the first payment provider to offer Buy Now, Pay Later (BNPL) services, enabling users to split their purchases into installments. Customers can choose to pay in three interest-free installments or opt for six- or twelve-month plans with a small fee, using any credit card.
Beyond consumer benefits, Powerpay also supports merchants by helping them increase sales through financing options that attract new customers. The company is committed to innovation, ensuring users have greater control over their finances while making essential purchases. With an omnichannel approach, Powerpay seamlessly integrates with both physical stores and e-commerce platforms, adapting to the diverse needs of businesses in Peru.
Industry
Region
Countries
Peru
Line of Business
Solution
Module
Infrastructure
ROI
Competition
Customer Timeline
Land MRR: $10,185 Land PS: $34,670
Opportunity Created
January 17, 2024
Opportunity Won
February 2025
Go-Live
April 15, 2025
Customer Expansion
Application Fraud
Use of advanced analytics
Use of alternative data sources
Expansion to other countries
Initial Opportunity Details
Customer Challenge
Five-year aggressive growth plan focuses on automating consumer financing
Strict risk exposure control
The strategy includes AI-driven underwriting, enabling instant approvals and personalized loan offers
Expanding partnerships with retailers, while risk assessment ensures sustainable growth
Looking for scale operations efficiently, expanding its business while keeping default rates low and portfolio quality high
Provenir Approach
N/A
Why it is Strategic for Provenir
First new logo in Perú
First BNPL project in the region
First opportunity in retail banking in the BBVA group
First project in cloud 2.0 in BBVA
Competitors
Uflow – Decision Engine
Why We Won
Provenir’s enterprise capabilities
Support and good relationship with the BBVA group
Our flexibility and attempts to align ourselves with their current needs and limitations
Projecting a long-term relationship
Value selling approach
Pain Points
Lack of technology that allows automating the onboarding process.
Unable to scale international business
Lack of risk control
Struggling to operationalize advanced analytics model
Intelligent Response to the Changing Face of Fraud
29th May, 2025 8:00 am – 11:00 am The Maslow Hotel, Sandton, Johannesburg
Fraudsters are evolving faster than ever, using AI-driven tools, synthetic identities, and social engineering to bypass traditional controls. As financial institutions and businesses across EMEA adapt to this growing threat, fraud prevention strategies must evolve beyond static rule-based models to embrace real-time decisioning, advanced analytics, and automation. This exclusive roundtable brings together industry leaders to explore how organisations can strengthen fraud defences, leverage AI-driven decisioning, and balance security with seamless customer experiences.
Key Discussion Points:
Inside the Fraudster’s Toolkit – A demonstration of AI-powered tools used by criminals to bypass ID&V controls, exposing the latest fraud techniques and their impact on financial institutions.
Building a Robust Defence Against Application Fraud – Best practices and cutting-edge technologies for real-time fraud detection and prevention, including how financial institutions can harness data, analytics, and automation to stay ahead of emerging threats.
Optimising Customer Experience – How streamlining real-time decisions and leveraging intelligent data orchestration can reduce fraud risk while improving onboarding and customer retention.
Format:
8:00 am – Keynote from Frédéric Dubout – Fraud Specialist, Provenir
8:30 am – Roundtable discussion and breakfast
11:00 am – Official close and summary
Register your interest here
Frédéric Dubout
Frédéric is an experienced Risk and Fraud Prevention Specialist with 25 years of expertise across diverse roles and industries. His career spans both client-side and solution-provider perspectives, beginning with hands-on operational positions and progressing to strategic and governance-level responsibilities. This journey has allowed him to develop both a deep and broad understanding of risk and fraud management across various sectors, including telecommunications, e-commerce, banking and finance. His expertise includes fraud prevention, telecommunications, and credit risk management.
The Provenir Thought Leadership Roundtable Series brings together industry visionaries, C-level executives, and thought leaders for insightful discussions on redefining risk decisioning strategies. The series fosters a collaborative environment for sharing forward-thinking perspectives, exploring innovative approaches, and shaping the future of fraud prevention in an era of rapid technological evolution and increasing digital risk.
Intelligent Response to the Changing Face of Fraud
Wednesday 14th May, 2025 11:45 am – 3:00 pm Charlotte Street Hotel, London
Fraudsters are evolving faster than ever, using AI-driven tools, synthetic identities, and social engineering to bypass traditional controls. As financial institutions and businesses across EMEA adapt to this growing threat, fraud prevention strategies must evolve beyond static rule-based models to embrace real-time decisioning, advanced analytics, and automation. This exclusive roundtable brings together industry leaders to explore how organisations can strengthen fraud defences, leverage AI-driven decisioning, and balance security with seamless customer experiences.
Key Discussion Points:
Inside the Fraudster’s Toolkit – A demonstration of AI-powered tools used by criminals to bypass ID&V controls, exposing the latest fraud techniques and their impact on financial institutions.
Building a Robust Defence Against Application Fraud – Best practices and cutting-edge technologies for real-time fraud detection and prevention, including how financial institutions can harness data, analytics, and automation to stay ahead of emerging threats.
Optimising Customer Experience – How streamlining real-time decisions and leveraging intelligent data orchestration can reduce fraud risk while improving onboarding and customer retention.
Format:
11:45 am – Arrival and welcome drink
12:00 pm – Live ‘fraudster in action demo’ from Jason Abbott – Fraud Specialist, Provenir
12:30 pm – Roundtable discussion and three-course lunch
3:00 pm – Official close and summary
Register your interest here
Jason Abbott
Fraud Specialist, Provenir
Jason Abbott is a fraud prevention specialist with extensive experience in AI-driven risk decisioning, fraud analytics, and financial crime strategy. With a background in working with financial institutions to combat application fraud, identity theft, and digital fraud trends, Jason provides practical insights and strategic frameworks to help organisations mitigate fraud while maintaining a seamless customer experience.
The Provenir Thought Leadership Roundtable Series brings together industry visionaries, C-level executives, and thought leaders for insightful discussions on redefining risk decisioning strategies. The series fosters a collaborative environment for sharing forward-thinking perspectives, exploring innovative approaches, and shaping the future of fraud prevention in an era of rapid technological evolution and increasing digital risk.
Live Roundtable: Transform Onboarding with Data Agility, Real-Time Decisioning, and Seamless Integration
20th February 2025 11:00am – 2:00pm The Ritz-Carlton Jakarta, Indonesia
Why Attend?
Indonesia’s digital economy is booming, with a projected value of $146 billion in 2025. However, challenges such as fraud, compliance burdens, and inefficient onboarding processes threaten to slow this momentum.
This roundtable will provide insights into:
Accelerating onboarding processes while maintaining accuracy and compliance
Leveraging data agility to adapt to evolving fraud patterns and customer needs
Streamlining workflows with centralized data integration and real-time decisioning
What to Expect:
Insights on Onboarding Challenges:
Learn how to tackle customer drop-offs, fraud threats, and compliance complexities specific to Indonesia.
Data Agility in Action:
Discover how agile data models and flexible data sources enhance decision-making and adaptability.
Simplified Integration:
Understand how a single API streamlines workflows by accessing global and local data sources.
Fraud Mitigation Strategies:
Explore real-time decisioning tools to prevent fraud while maintaining a seamless customer experience.
Operational Excellence:
Gain actionable tips to automate workflows, reduce costs, and scale onboarding processes for growth.
Indonesia-Specific Strategies:
Uncover practical approaches to addressing unique onboarding challenges in Indonesia’s financial landscape.
Adapting to Market Demands:
Learn how data agility can help businesses stay ahead of evolving fraud patterns and market trends.
Networking Opportunities:
Connect with industry leaders and peers to share insights and best practices.
Agenda:
11am – 11:30am
Arrival and Networking
11:30am – 11:45am
Opening Remarks – Overview of Indonesia’s onboarding challenges.
11:45am – 12:30pm
Keynote Presentation – “Transforming Onboarding in Indonesia’s Digital Economy”
12:30pm – 1:30pm
Interactive Roundtable and Lunch – “Future-Proofing Onboarding with Data Agility”
1:30pm – 2:00pm
Closing Remarks
Seats are limited for this exclusive roundtable. Don’t miss this opportunity to gain valuable insights and network with industry leaders.
Deliver frictionless auto lending experiences – without sacrificing your fraud detection power. Automate your fraud and identity data integration and orchestration, streamline your decisioning, and enable seamless case management for the confidence to say yes more and drive automotive business growth.
135%
of high-risk transactions stopped
40%
business growth
Deliver frictionless auto lending experiences – without sacrificing your fraud detection power. Automate your fraud and identity data integration and orchestration, streamline your decisioning, and enable seamless case management for the confidence to say yes more and drive automotive business growth.
Quick Finans
48%
automation rate in auto lending
MTN
135%
of high-risk transactions stopped
Flexiplan
40%
business growth
Trusted automotive lending fraud and identity solutions with proven business benefits:
Minimize Friction for Streamlined Onboarding
Deliver frictionless customer experiences to improve customer satisfaction and streamline the auto financing process.
Reduce False Positives: Use a layered approach to reduce false positive rates and quickly differentiate genuine customers from fraudsters, minimizing interruptions during the onboarding experience.
Accelerate Identity Verification: Leverage automated identity verification to support real-time decision-making for rapid customer onboarding.
Streamline Investigations: Enable frictionless customer experiences with integrated case management for rapid investigations into intent to pay.
Automate Approvals: Fully automate fraud and identity processes to support real-time approvals and gain a competitive advantage.
Reduce Losses, Optimize Growth
Turn “must-do” fraud processes into a growth enabler with the combined power of dynamic data orchestration and intelligent automation for smarter decisioning.
Minimize Losses: Improve automotive fraud detection with decisions based on multiple layers of fraud detection capability and control how and when multiple layers are used.
Maximize Growth: Attract and retain more satisfied customers, directly contributing to business expansion, by ensuring a secure and efficient onboarding process.
Accelerate Approvals: Streamline customer verification with rapid, real-time fraud detection for faster service delivery and improved satisfaction.
Enhance Efficiency: Leverage automation to reduce manual fraud checks, allowing for more strategic allocation of resources towards growth initiatives.
Smarter Detection, Greater Agility
Take control of your automotive fraud strategy with a low-code, end-to-end decisioning platform that brings together data, decisioning, and case management into one solution.
Sustain Detection Power: Ensure continuous improvement in fraud, identity and compliance risk models with AI model creation, monitoring, testing, and optimization.
Simplify Fraud Management: Reduce the complexity of managing multiple fraud tools with one solution to power an end-to-end view of the customer across the lifecycle.
Adapt Easily: Rapidly respond as new threats emerge with easily configurable rules.
Test With Ease: Easily assess changes for iteration with Champion/Challenger testing of your fraud risk models.
Innovate with Confidence: Trust your fraud processes to manage risk as you explore new opportunities to drive growth across your product portfolio.
Minimize Friction for Streamlined Onboarding
Deliver frictionless customer experiences to improve customer satisfaction and streamline the auto financing process.
Reduce False Positives: Use a layered approach to reduce false positive rates and quickly differentiate genuine customers from fraudsters, minimizing interruptions during the onboarding experience.
Accelerate Identity Verification: Leverage automated identity verification to support real-time decision-making for rapid customer onboarding.
Streamline Investigations: Enable frictionless customer experiences with integrated case management for rapid investigations into intent to pay.
Automate Approvals: Fully automate fraud and identity processes to support real-time approvals and gain a competitive advantage.
Reduce Losses, Optimize Growth
Turn “must-do” fraud processes into a growth enabler with the combined power of dynamic data orchestration and intelligent automation for smarter decisioning.
Minimize Losses: Improve automotive fraud detection with decisions based on multiple layers of fraud detection capability and control how and when multiple layers are used.
Maximize Growth: Attract and retain more satisfied customers, directly contributing to business expansion, by ensuring a secure and efficient onboarding process.
Accelerate Approvals: Streamline customer verification with rapid, real-time fraud detection for faster service delivery and improved satisfaction.
Enhance Efficiency: Leverage automation to reduce manual fraud checks, allowing for more strategic allocation of resources towards growth initiatives.
Smarter Detection, Greater Agility
Take control of your automotive fraud strategy with a low-code, end-to-end decisioning platform that brings together data, decisioning, and case management into one solution.
Sustain Detection Power: Ensure continuous improvement in fraud, identity and compliance risk models with AI model creation, monitoring, testing, and optimization.
Simplify Fraud Management: Reduce the complexity of managing multiple fraud tools with one solution to power an end-to-end view of the customer across the lifecycle.
Adapt Easily: Rapidly respond as new threats emerge with easily configurable rules.
Test With Ease: Easily assess changes for iteration with Champion/Challenger testing of your fraud risk models.
Innovate with Confidence: Trust your fraud processes to manage risk as you explore new opportunities to drive growth across your product portfolio.
Resources to dig a little deeper
Discover how Provenir’s robust fraud solutions can optimize your auto lending strategy.
BLOG
The Growing Threat of Fraud in Auto Lending and How to Combat it.
Credit and Fraud – A Holistic View in Risk Management
Chartis Research, which offers world-class tech research to map market trends and the vendor landscape in financial services, has named Provenir a global leader in software and services, providing top-tier risk products to financial services providers across the globe. In their latest vendor overview, they highlight how we’re shaping the future of credit and fraud risk management with cutting-edge tech, including AI/ML, data orchestration, and automation to better address the combined market needs around credit and fraud.
Discover how we can help you drive seamless onboarding, real-time decisioning, better fraud prevention, and holistic risk management.
The Fintech Diaries Podcast: Fighting Fraud with Provenir
How AI is Securing Finance
Check out this exciting episode of The Fintech Diaries Podcast, featuring Jason Abbott, Provenir’s Director of Fraud Solutions. In this episode, Jack Tyrrell dives deep with Jason to explore the transformative power of AI and cutting-edge technology in fraud prevention. Get insights into Provenir’s innovative fraud detection tools, the role of data and AI, and a behind-the-scenes look at the tech and talent driving change in the fight against financial crime. Listen Now!
