Auto-decisioning Engine

What is Juris DecisionCraft?

Juris DecisionCraft is an auto-decisioning engine that orchestrates and synergises different data and analytics from different systems or sources to produce the best decision possible.

It empowers businesses across various industries to use data-driven insights to make complex, critical decisions in real-time with precision and confidence. A no-code technology with easy-to-use web interface, Juris DecisionCraft gives businesses the ability to enhance decision models within the system even without programming or specialised technical knowledge.

Why Juris DecisionCraft?

Find the best decision model

Test and experiment with different decision models with Champion Challenger to determine the best model that gives the most favourable outcome.

Integrates data and analytics from different sources to achieve the best result

Juris DecisionCraft compiles data and analytics from multiple sources (internal and external) or a dataset of rules to provide the best result-based decision recommendation.

Integrate third-party data sources such as credit bureaus, SSM, AMLA, Shariah compliance, or AI models into the decisioning engines.

Automated decisioning

Optimises the decision-making process by automating business decisions based on data, defined criteria and rules set.

Reduce manual work and human intervention so that your managers can spend time on more complex tasks.

Unleash the power of real-time decisioning

Synergises multiple data sources in real-time so that the engine is able to create actions and deliver them instantly.

Make the right decision in real-time and eliminate delays that cause your business to lose customers while enhancing customer experience as a whole.

Assess the potential business impact of the decision model before it goes live

Edit and test models with ease with powerful error-checking, logic validation, visual comparison, and decision simulation tools.

How Does Juris DecisionCraft Work in the Financial Industry?

Core Functionalities

Ease of Use

Web-based
User friendly
Drag and drop GUI

Rule Builder Engine

Supported by an advanced engine that gives users the flexibility of creating their own decision framework

Expert Rule Builder

Set up decision models with only a few clicks
Perform different types of configuration in one view

Automation

Automated decisioning workflows
Automates decision-making processes at a scale

Multi-channel integration

Able to access both internal and external data sources

Reporting

Comprehensive and automated report generation

FAQs

What is Juris DecisionCraft, and what does it decide?

Juris DecisionCraft is our no-code auto-decisioning engine. It pulls data from internal systems and external sources such as credit bureaus, SSM, AMLA screening, and Shariah compliance checks. It then applies the institution’s rules and scorecards to recommend a decision in real time. It also supports decisions in digital onboarding and in collection and recovery.

What is a risk decision engine, and how does Juris DecisionCraft differ from a credit scoring engine?

A credit scoring engine produces a score for a borrower. A risk decision engine applies your rules, scorecards and models to customer data and returns a decision, such as approve, refer or decline, in real time. Juris DecisionCraft combines scores, bureau data and policy checks, so each approval follows your credit policy.

How does Juris DecisionCraft automate credit assessment and approval decisions?

Scorecards, rules and formulas assess creditworthiness and eligibility, and scores map to grades that recommend an approve, refer or decline outcome. The engine returns the result in real time and escalates exceptions, so your staff review only the cases that need judgement.

Can Juris DecisionCraft support complex lending policies and multi-tier scorecards?

Yes. Juris DecisionCraft lets you layer several rule sets, decision matrices, scorecards and policies all in one decision flow. Scorecards run in pre-qualifying, specific, pre-final and final tiers, so you can score an applicant and a guarantor separately and combine the results into one grade.

For example, in projects, it has handled:

Separate limit ceilings by employment type and risk grade
Limits computed as the lower of an income multiple and a product cap
Split installment and revolving limits

Can business users configure credit policies in Juris DecisionCraft without coding?

Yes. Juris DecisionCraft is web-based and no-code, with a graphical rule builder:

Rule Builder Engine: credit and risk teams build their own decision frameworks.
Expert Rule Builder: sets up decision models in a few clicks and shows several configuration types in one view.
Formula builder and decision matrix handle ratios, affordability and input-to-outcome mapping.

Does Juris DecisionCraft support rule-based and AI-driven decisions together?

Yes. Juris DecisionCraft can combine deterministic business rules with AI and machine-learning model outputs in one decision flow. You define rules in the rule builder, and the engine applies them consistently, so identical inputs give identical outcomes.

Does Juris DecisionCraft support explainable credit decisions?

Yes. Every outcome can carry the decision, the score result and the specific policy rules that failed. Rules and scorecards stay visible in the rule builder, so your teams can trace how and why each decision was made. An audit log records every change to rules, and impact analysis shows the effect of a change before it goes live.

How does Juris DecisionCraft handle exceptions and multi-level approvals?

Juris DecisionCraft can generate decision status for exception cases to “Refer” rather than auto-approving or declining them. Multi-level approval routing usually lives in the loan origination system, such as Juris Origination, not in the decision engine. Hence, Juris DecisionCraft flags exceptions; Juris Origination routes them through approval levels.

Can we simulate and optimise decisions in Juris DecisionCraft before go-live?

Yes. Dynamic Test, bulk score extraction, back testing and impact analysis show the effect of a change before you decide to deploy the scoring workflow. We also have Champion Challenger to perform randomised experiment on the components that involves at least two variants to determine which performs better. Users can choose to split into more than two routes as long as the total percentage does not exceed 100. Hence, Champion Challenger testing runs competing strategies side by side to find the one with the best outcome.

Can Juris DecisionCraft use credit bureau and alternative data in automated decisions?

Yes. We can connect to credit bureaus, alternative data provider, internal or external third-party system, your core banking, origination and collection systems. Once the scoring workflows are configured, we can generate the decision automatically in real time.

Does Juris DecisionCraft integrate with loan origination platforms, and is it API-first?

Juris DecisionCraft is Open API ready, we can integrate via Rest API.

Which lending segments and journeys does Juris DecisionCraft cover?

Scoresets group scorecards by product, line of business or customer category, such as personal financing, hire purchase and mortgage. Digital onboarding, digital lending, and collection and recovery solutions use the same engine, so you build decisioning for each journey in one place.

What audit, compliance and governance controls does Juris DecisionCraft provide?

Maker-checker requires a second user to approve every rule or scorecard change before it goes live. Role-based access controls who can configure, view or modify rules, and an audit trail records the maker, checker, timestamps and comments. Version control tracks each change.

What reports does Juris DecisionCraft provide?

Standard reports include A/B test simulation, case data extraction and evaluation, and you can build custom reports for your own needs.

What should banks look for in credit decisioning software like Juris DecisionCraft, and what belongs in an RFP?

Banks evaluating credit decisioning software should check:

No-code policy configuration by business users
Real-time decisions
Pre-go-live simulation and Champion/Challenger testing
Explainable outcomes with reason for every decision
Governance: versioning, maker-checker, audit trails and role-based access
API integration with bureaus, registries and alternative data
Performance at scale and the deployment options available

Make instant and precise decisions with Juris DecisionCraft today

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