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   * Power your business
   
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     Banking
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     Fintech
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     Retail + Point-of-Sale
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     25% improvement in underwriting speed.
   * tbi Bank
     Real-time decisions made in milliseconds.
   
   * Want more success stories?
   
   * Explore All Outcomes
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   * AI-Powered Data and Decisioning Platform
     Your partner for: Global data platform. Simplified AI. Automated risk
     decisioning.
   
   * The all in one solution for:
   
   * 
     Provenir Decisioning
   * 
     Provenir Data
   * 
     Provenir AI
   
   * Tech That Keeps You In Control
   
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     * Risk Analytics
     * Telco
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The Secret to Consumer Lending Success: Get The Guide


UNLOCK THE SECRET TO SMARTER CREDIT RISK DECISIONING.


DISCOVER PROVENIR’S AI-POWERED, INTELLIGENT RISK DECISIONS. 

Take a Closer Look



POSSIBILITIES


FROM STARTUP TO DECACORN: CREDIT DECISIONING SOFTWARE TO FIT YOUR NEEDS.

Decisioning software isn’t one-size-fits-all. You need purpose-built technology
designed to outpace market evolution, and maintain your rank as an innovative
and disruptive financial services player. Provenir powers data orchestration and
risk decisioning processes across identity, credit and fraud to help you get
ahead, and stay ahead of risk. We’ve designed our AI-Powered Data and
Decisioning Platform, with key data, AI and risk decisioning capabilities, to
give you the flexibility to iterate, expand, and scale on your timeline.
Technology shouldn’t dictate your path forward, it should empower it. Define
your own journey with a flexible Software-as-a-Service solution!

BANKING

To compete in today’s digital-first world, you need to offer innovative banking
products, fast approvals, and a world-class consumer experience. But legacy
decisioning technology – siloed data sources, disparate software systems,
reliance on numerous vendors – can make this difficult for banks, if not
impossible.

SME LENDING

Small businesses are the lifeblood of the economy — yet big banks only approve
27% of small business loans. As an SME lender stepping up to increase approvals,
you need the right data and a credit risk decisioning platform that helps you
understand risk and get SMEs money when they need it.

BUY NOW PAY LATER

You need to compete in an evolving and rapidly growing market, without
increasing risk. Need an alternative to credit risk decisioning with traditional
credit scores? We’ve got you covered. Use Provenir’s simple alternative data
integration tools, advanced automation, and powerful ML capabilities to onboard
and decision merchants and consumers at record speed.

DIGITAL MERCHANT ONBOARDING

You want world-class digital merchant onboarding. But strict compliance
regulations and evolving fraud risks threaten to slow you down. Provenir’s data
and risk decisioning platform simplifies your ability to create, adjust and
implement risk processes — powering fully automated onboarding.

AUTO FINANCING

As an auto lender, you need smooth loan approvals that quickly move cars off the
lot. Provenir lets you deploy sophisticated data strategies and risk decisioning
models to make the right credit decisions in milliseconds without relying on
external vendor or dev teams.

LOAN ORIGINATION

Traditional loan origination software limits your ability to deliver fast
approvals and unforgettable consumer experiences. Provenir flips the script,
automating end-to-end lending processes. We make data access simple, powering
real-time credit risk decisioning in under a second.

RETAIL + POINT-OF-SALE

As a retail or POS lender, two things matter: making the right credit decisions,
and having the data to make them quickly. Tapping into advanced data science
tools, Provenir enables one-click, real-time risk decisioning engine
functionalities to power more accurate credit risk decisioning.

CONSUMER LENDING

Consumer lenders must provide fast approvals and simplified processes to reduce
abandonment and improve customer experience and competitive advantage amidst
evolving regulation. Provenir enables quick approvals, personalized pricing and
rapid innovation for a superior customer experience for any use case.

FINTECH

Fast, frictionless service is essential for every fintech. You need a platform
that empowers you to maintain high levels of service, even as your business
grows from innovative startup to industry disruptor. Say hello to Provenir, the
premier data and credit decisioning software for the world’s leading fintechs.

TELCO

Telcos face intense competition, increased fraud, and high customer churn,
making it hard to expand your business to new, creditworthy subscribers.
Provenir’s global data platform and smart credit decisioning software can help
you increase activations and retain subscribers without exposing yourself to
more risk. 


Explore more


UNLEASH THE POWER OF AUTOMATED DECISIONING, REAL-TIME DATA AND ADVANCED
ANALYTICS.

PRODUCTS


FROM DATA TO AI-DRIVEN CREDIT RISK DECISIONS, WE’RE POWERING INNOVATION.

In a digital-first market, agility and innovation are key. The Provenir
AI-Powered Risk Decisioning Platform blows past traditional credit decisioning
software by letting you harness the power of data, AI and decisioning from one
unified, low-code user interface. Whether you’re launching a startup, or scaling
a unicorn, Provenir helps you power beyond your business goals. Use Provenir to
power one or both of your data and risk decisioning strategies.

Provenir DecisioningProvenir DataProvenir AI
TabsProvenir DecisioningProvenir DataProvenir AI


PROVENIR DECISIONING

Provenir Decisioning: Provenir’s industry-leading credit risk decisioning
platform lets you make smarter decisions, faster. Use Provenir’s low-code
decisioning engine to tackle virtually any risk decisioning or analytics
workflow. Empower business users to design, build and deploy new workflows or
make changes quickly. Get products to market, today.

Use Provenir Decisioning to:

 * ✓Power instant credit risk decisioning
 * ✓Get to market faster, with zero road blocks
 * ✓Empower business users with a low-code UI

Explore


PROVENIR DATA

Say hello to data. Any data, anywhere, on-demand – One API. Provenir Data +
Marketplace is a global data and intelligence platform that makes accessing data
fast and easy. Advance and accelerate your data strategy with data and insights
covering identity, fraud, and credit, all managed through a single contract.
Eliminate your data sourcing challenges and simplify your data supply chain with
preconfigured, fully maintained integrations, accessed through a single API.
Select from identity, fraud, open banking, bureau, alternative sources and more.

Use Provenir Data to:

 * ✓Support global and regional identity, fraud and credit risk strategies
 * ✓Simplify access to data intelligence using a single API
 * ✓Add real-time data, on-demand into your risk decisioning processes

Explore


PROVENIR AI

Simplified AI for smarter decisioning. Designed and built to make AI accessible
to fintechs, Provenir AI empowers you to launch your AI strategy at record
speed. Whether you’re just starting with AI or are further on your journey,
Provenir’s AI solution will bring instant value to your team by eliminating the
challenges that limit AI impact. With auto-selection, simplified deployment, and
self-optimization, Provenir AI lets you run at maximum performance, all of the
time!

Use Provenir AI to:

 * ✓Make smarter risk decisions across the customer lifecycle
 * ✓Launch your AI strategy at record speed
 * ✓Maximize business impact

Explore


A RECOGNIZED INDUSTRY LEADER


See why

BENEFITS


CLOUD TECHNOLOGY THAT POWERS RISK STRATEGY INNOVATION.

Provenir does more than help with your current tech challenges. We eliminate
them.

Designed and built to power agility, our cloud-native technology puts your team
in control. Independence replaces vendor-reliance. Seamless support for business
growth replaces unscalable technology. And advanced risk decisioning, data and
AI capabilities replace aging solutions.

It’s the closest you can come to custom technology without building it yourself.

Explore
Cloud Native

Built for the cloud, the Provenir AI-Powered Risk Decisioning Platform is an
entirely cloud-native platform that considers agility, affordability,
flexibility and security as must-haves, not nice-to-haves.

Explore
Low Code

Decision engine success shouldn’t rest in vendors’ hands. Provenir’s low-code
cloud platform features a user-centric drag and drop interface, putting your
team in charge of uploading, testing, and deploying models and risk decisioning
workflows.

Explore
Software-as-a-Service

A software-as-a-service model, Provenir allows you to develop, QA and deploy
your risk decisioning environment on constantly advancing technology. With four
product releases per year, we keep our credit risk decisioning software cutting
edge to empower your team to focus on strategy.

Explore


DATA AND CREDIT DECISIONING SOFTWARE THAT WILL CHANGE THE WAY YOU THINK ABOUT
YOUR RISK STRATEGY..


COMPANIES LIKE YOU USE PROVENIR

All outcomes


GM FINANCIAL

GM Financial wanted to bring new auto lending and leasing products to market
more quickly, paving the road for smoother loan origination processes. Provenir
was there to help.

Explore


KLARNA

BNPL provider Klarna needed to replace legacy technology with real-time risk
decisioning and business analytics designed to keep up with shopper demand.
Provenir provided the framework to get there.

Explore


SOFI

SoFi benchmarked the project alongside its previous DevOps effort with its
in-school college loan application. As a result of building out new automation
and leveraging low code/no code technology enabled processes via the Provenir
platform, SoFi was able to complete the project and go live in a shorter
timeframe (within 10 weeks).

Explore


BIGBANK

Bigbank needed better credit and lending products that led to better customer
experiences. That meant leaving outdated technology behind for a unified
platform. That’s where Provenir came in.

Explore



LET’S BUILD SMARTER, TOGETHER.

Say Hi

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    * AI-Powered Decisioning Platform
    * Provenir Decisioning
    * Provenir Data
    * Provenir AI
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    * Banking
    * BNPL
    * SME Lending
    * Fintech
    * Auto Financing
    * Retail + Point-of-Sale
    * Digital Merchant Onboarding
    * Loan Origination
    * Consumer Lending
    * Telco

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    * Support

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