decisimo.com

What It Is

Decisimo is a no-code decision engine built for credit risk, compliance, and operations teams. Its core purpose is to help businesses build, test, deploy, and govern automated decision logic within a single platform. It places particular emphasis on explainability: every decision path, execution trace, revision history, and audit record can be tracked, making it well suited to high-frequency, regulated use cases such as loan approvals, credit line assignment, collections scoring, insurance underwriting, and embedded finance.

Core Capabilities

The product offers a fairly complete set of modules. Rule sets support conditions based on numbers, text, time, and regular expressions. Decision tables support multiple conditions and multiple actions. Its drag-and-drop decision flows allow reusable components, branch execution, and champion/challenger testing. On the modeling side, users can import machine learning models and invoke them within workflows, or call LLM and Agent tools with guardrails. At the execution layer, Decisimo supports high-performance REST APIs, real-time requests, and batch processing; batch jobs can read data from FTP, Google Cloud Storage, and S3. Testing features include unit tests for rules, tables, models, and full workflows, as well as regression testing against historical data.

Pricing and Trial

Decisimo uses usage-based pricing, charged according to batch or real-time processing type and the number of decision flows/transactions executed in production. Public materials do not disclose specific pricing. It is typically based on an annual commitment with quarterly payments, though terms may be negotiable; upgrades and updates are included at no extra cost. The platform does not charge by the number of administrator users, which is friendly to teams that need collaboration across risk, data, and operations roles. Before purchase, users can validate use cases in a test environment, but no free plan or trial duration is specified.

Integrations, Security, and Collaboration

Integration is one of its strengths. Decisimo can connect to any REST API that returns JSON or XML, and can call external data sources, internal microservices, credit bureaus, blacklists, and third-party scoring services in parallel. It also provides templates for Ekata, Google Places API, SEON, Fraudlabs, and others, while its data marketplace is still marked as coming soon. On security and compliance, the materials state that it has ISO 27001 and SOC 2 Type II, and mention GDPR, DORA, data residency, DPA, VPN/allowlisting, and that customer data is not used for training. For collaboration, it supports multi-user editing, RBAC, environments, versioning, and SLAs.

Pros, Cons, and Best Fit

Its advantages are no-code configuration, explainability, support for both real-time and batch processing, and the ability to orchestrate rules, models, and third-party data in one place. The drawbacks are opaque pricing, the need to speak with the vendor via demo, and no clear statement on localized or self-hosted deployment. It is better suited to financial institutions, insurtech companies, credit risk teams, embedded finance providers, and enterprises that require audit trails, rather than simple approval workflow use cases.

Access from China

Public information does not specify access speed from mainland China, supported payment methods, or local service support. Before procurement, buyers should test domain accessibility, API endpoint latency, and cross-border data compliance. For domestic alternatives, consider comparing with risk decisioning solutions from BaiRong Cloud and Tongdun Technology, or evaluate self-hosted options such as Camunda DMN and Drools.