Empower your risk team with a decisioning engine they will love.
Instantly supercharge your risk decisions with DIY scorecards, role-based access, custom attributes, explainability and full audit trails.
Designed for all lending needs. The decision engine that de-risks and delivers.
Accelerate policy iteration
Adjust policies instantly, without the need for IT intervention, to adapt to changing market conditions.
Design your own scorecards based on your unique risk criteria, with built-in explainability to meet regulatory standards.
Leverage extensive data sources, including credit bureau data, to make informed and accurate lending decisions.
Secure and Customizable
Generate detailed explanations for each decision, ensuring transparency and meeting regulatory requirements.
Protect your sensitive data with robust encryption and detailed audit trails, ensuring complete peace of mind.
Out of the box, detailed versioning to link your every case to the exact policy version, even years later.
Unlimited scalability
Easily create custom attributes from a vast library of pre-built integrations, tailoring insights to your specific needs.
Leverage the power and flexibility of JavaScript and JSEL to craft your unique attributes with ease.
Test your custom attributes in real time against standardized API schemas, ensuring seamless integration and accurate results.
Make decision-making smarter, not harder.
Harness the power of 50+ integrations (and counting!) to automate decisions with real-time data.
Seamlessly integrate alternative data sources and leverage new signals to enhance your decision workflows. Explore Refo’s ready-to-use integrations and discover a world of possibilities.
Hear what our customers say.
We love working with Refo. Refo’s platform significantly reduces the time to market for launching new onboarding channels and lending products. The product offers best-in-class API performance, enabling seamless embedded banking operations. Refo has been instrumental in our journey to build India’s largest open finance network on ONDC
Refo has impressed us with the quality of their product, as well as their developer and customer support. Their platform integrates onboarding, decisioning, and customer analytics seamlessly, providing an excellent experience for customers, internal teams, and partners.
In partnerships, you need a composable experience for each partner due to heterogeneous systems in the industry. Refo lets you design custom flows for each partner using the flow builder in their product.
We love working with Refo. Refo’s platform significantly reduces the time to market for launching new onboarding channels and lending products. The product offers best-in-class API performance, enabling seamless embedded banking operations. Refo has been instrumental in our journey to build India’s largest open finance network on ONDC
Refo has impressed us with the quality of their product, as well as their developer and customer support. Their platform integrates onboarding, decisioning, and customer analytics seamlessly, providing an excellent experience for customers, internal teams, and partners.
Refo has an advanced decisioning platform that gives control directly to the risk teams, cutting down on policy change TAT by at least 70%. It is one of the most nimble decisioning engines with built in workflow available in the industry today.
We love working with Refo. Refo’s platform significantly reduces the time to market for launching new onboarding channels and lending products. The product offers best-in-class API performance, enabling seamless embedded banking operations. Refo has been instrumental in our journey to build India’s largest open finance network on ONDC
Refo has impressed us with the quality of their product, as well as their developer and customer support. Their platform integrates onboarding, decisioning, and customer analytics seamlessly, providing an excellent experience for customers, internal teams, and partners.
In partnerships, you need a composable experience for each partner due to heterogeneous systems in the industry. Refo lets you design custom flows for each partner using the flow builder in their product.
We love working with Refo. Refo’s platform significantly reduces the time to market for launching new onboarding channels and lending products. The product offers best-in-class API performance, enabling seamless embedded banking operations. Refo has been instrumental in our journey to build India’s largest open finance network on ONDC
Refo has impressed us with the quality of their product, as well as their developer and customer support. Their platform integrates onboarding, decisioning, and customer analytics seamlessly, providing an excellent experience for customers, internal teams, and partners.
Refo has an advanced decisioning platform that gives control directly to the risk teams, cutting down on policy change TAT by at least 70%. It is one of the most nimble decisioning engines with built in workflow available in the industry today.
We love working with Refo. Refo’s platform significantly reduces the time to market for launching new onboarding channels and lending products. The product offers best-in-class API performance, enabling seamless embedded banking operations. Refo has been instrumental in our journey to build India’s largest open finance network on ONDC
Refo has impressed us with the quality of their product, as well as their developer and customer support. Their platform integrates onboarding, decisioning, and customer analytics seamlessly, providing an excellent experience for customers, internal teams, and partners.
In partnerships, you need a composable experience for each partner due to heterogeneous systems in the industry. Refo lets you design custom flows for each partner using the flow builder in their product.
Refo has an advanced decisioning platform that gives control directly to the risk teams, cutting down on policy change TAT by at least 70%. It is one of the most nimble decisioning engines with built in workflow available in the industry today.
With Refo, leading Financial Institutions have experienced...
Faster
Increase
Reduction
Reduction
Frequently asked questions.
Absolutely! Refo's decisioning engine not only empowers you to create custom scorecards tailored to your unique risk appetite, but it also generates scores in real time, providing a comprehensive and explainable view of each applicant's risk profile.
Leveraging pre-built templates for various lending products, you can quickly design and deploy scorecards that align with industry best practices and regulatory requirements.
Yes and yes! Our user-friendly interface empowers you to configure scorecard policies without any technical expertise. Additionally, role-based configuration ensures that each team member has access only to the features and data they need, maintaining data security and control.
Definitely. Our platform allows you to easily define and manage your master data, including zip codes, DSA partners, origination partners, customer segments, and more. This gives you complete control over your decision-making criteria.
Yes! We understand the importance of tracking changes and maintaining historical records. Our platform provides comprehensive versioning and auditing capabilities, allowing you to track policy modifications, revert to previous versions, and ensure compliance.
Absolutely! Our flexible platform enables you to create custom attributes tailored to your specific needs. The best part? We support Javascript and Javascript Expression (loved by every single developer!) to custom edit and add the attribute. Our intuitive interface guides you through the process, making it simple to expand your decisioning capabilities by adding attributes required to make more informed decisions.
Your risk team’s new best friend!
Double Your Lending Speed:
Launch in Half the Time with Refo.