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Decision engine

Decision engine

Decision engine

The clockwork of automation, the Decision Engine is an easily configurable tool to set up and run complex calculations and decision tree-based decision algorithms, even for non-technical users.

ApPello offers cutting-edge digital lending solutions for banks of all sizes, ensuring efficiency and scalability in loan origination and servicing.

ApPello offers cutting-edge digital lending solutions for banks of all sizes, ensuring efficiency and scalability in loan origination and servicing.

Discover Product Details

To streamline complex calculations and decision-making processes involving various customer segments, product variations and individual deals, automation is key. The Decision Engine provides an easy-to configure, transparent tool to simplify pre-screening, scoring, covenant selection, decision level calculation and more. Also, it acts as the brain behind fully or semi-automated credit application and approval processes.

A cluster of large, round, bright pink circles with varying shades creates a vibrant, abstract composition against a plain background.

Discover Product Details

To streamline complex calculations and decision-making processes involving various customer segments, product variations and individual deals, automation is key. The Decision Engine provides an easy-to configure, transparent tool to simplify pre-screening, scoring, covenant selection, decision level calculation and more. Also, it acts as the brain behind fully or semi-automated credit application and approval processes.

A cluster of large, round, bright pink circles with varying shades creates a vibrant, abstract composition against a plain background.

Discover Product Details

To streamline complex calculations and decision-making processes involving various customer segments, product variations and individual deals, automation is key. The Decision Engine provides an easy-to configure, transparent tool to simplify pre-screening, scoring, covenant selection, decision level calculation and more. Also, it acts as the brain behind fully or semi-automated credit application and approval processes.

Discover Product Details

To streamline complex calculations and decision-making processes involving various customer segments, product variations and individual deals, automation is key. The Decision Engine provides an easy-to configure, transparent tool to simplify pre-screening, scoring, covenant selection, decision level calculation and more. Also, it acts as the brain behind fully or semi-automated credit application and approval processes.

A cluster of large, round, bright pink circles with varying shades creates a vibrant, abstract composition against a plain background.

Main Benefits

Main Benefits

Graphical visualisation of business logic

Graphical visualisation of business logic

A digital line graph contrasts current and previous weekly data, with a speech bubble icon illustrating a pie chart, symbolizing financial metrics or analytics.
A digital line graph contrasts current and previous weekly data, with a speech bubble icon illustrating a pie chart, symbolizing financial metrics or analytics.
A digital line graph contrasts current and previous weekly data, with a speech bubble icon illustrating a pie chart, symbolizing financial metrics or analytics.

Configurable Decision Engine with Business Rule Management

Configurable Decision Engine with Business Rule Management

Flat design illustration of three connected flowchart panels displaying pie charts with varying shades of blue, accompanied by horizontal lines representing text, against a light background.
Flat design illustration of three connected flowchart panels displaying pie charts with varying shades of blue, accompanied by horizontal lines representing text, against a light background.

Supports model versioning, testing and auditing

Supports model versioning, testing and auditing

A stylized infographic features a colored circle composed of purple and light blue segments on the left, a synchronization icon in the center, and a bar chart symbol on the right, representing data integration and analytics.
A stylized infographic features a colored circle composed of purple and light blue segments on the left, a synchronization icon in the center, and a bar chart symbol on the right, representing data integration and analytics.

Supports financial functions and Basel II, III indicator calculations

Champion-Challenger functionality

Quick implementation and configurable business logic without need for coding

A digital illustration of a web browser window icon with a command-line terminal symbol in the center, set against a soft blue, grid-patterned background, representing web development and coding concepts.
A digital illustration of a web browser window icon with a command-line terminal symbol in the center, set against a soft blue, grid-patterned background, representing web development and coding concepts.

Product features

Product features

A graphic depicts multiple cards with circular or bar charts inside them with some data, showing a drag and droppable system set against a blue grid-patterned background.

Dynamic data processing

ApPello's Decision Engine stands out for its openness and flexibility. Designed for seamless integration with existing systems and external data sources via APIs, it ensures that any output can be easily accessed and used by connected applications.

A graphic depicts multiple cards with circular or bar charts inside them with some data, showing a drag and droppable system set against a blue grid-patterned background.

Dynamic data processing

ApPello's Decision Engine stands out for its openness and flexibility. Designed for seamless integration with existing systems and external data sources via APIs, it ensures that any output can be easily accessed and used by connected applications.

A graphic depicts multiple cards with circular or bar charts inside them with some data, showing a drag and droppable system set against a blue grid-patterned background.

Dynamic data processing

ApPello's Decision Engine stands out for its openness and flexibility. Designed for seamless integration with existing systems and external data sources via APIs, it ensures that any output can be easily accessed and used by connected applications.

A graphic depicts multiple cards with circular or bar charts inside them with some data, showing a drag and droppable system set against a blue grid-patterned background.

Dynamic data processing

ApPello's Decision Engine stands out for its openness and flexibility. Designed for seamless integration with existing systems and external data sources via APIs, it ensures that any output can be easily accessed and used by connected applications.

The image displays a detailed financial dashboard for a company, showcasing various loan products, their respective loan numbers, limits, and associated currencies in a tabular format, with options to prepare an application and view application details.

Flexible scorecard definition

With the Decision Engine, scorecards can be easily created and maintained, providing a robust framework for evaluating creditworthiness. The flexibility of the system allows questionnaires and scorecards to be adjusted periodically to align with regulatory requirements and changes in credit policies. Users have the ability to parameterize all rules simultaneously within the process, ensuring efficient management and customization.

The image displays a detailed financial dashboard for a company, showcasing various loan products, their respective loan numbers, limits, and associated currencies in a tabular format, with options to prepare an application and view application details.

Flexible scorecard definition

With the Decision Engine, scorecards can be easily created and maintained, providing a robust framework for evaluating creditworthiness. The flexibility of the system allows questionnaires and scorecards to be adjusted periodically to align with regulatory requirements and changes in credit policies. Users have the ability to parameterize all rules simultaneously within the process, ensuring efficient management and customization.

The image displays a detailed financial dashboard for a company, showcasing various loan products, their respective loan numbers, limits, and associated currencies in a tabular format, with options to prepare an application and view application details.

Flexible scorecard definition

With the Decision Engine, scorecards can be easily created and maintained, providing a robust framework for evaluating creditworthiness. The flexibility of the system allows questionnaires and scorecards to be adjusted periodically to align with regulatory requirements and changes in credit policies. Users have the ability to parameterize all rules simultaneously within the process, ensuring efficient management and customization.

The image displays a detailed financial dashboard for a company, showcasing various loan products, their respective loan numbers, limits, and associated currencies in a tabular format, with options to prepare an application and view application details.

Flexible scorecard definition

With the Decision Engine, scorecards can be easily created and maintained, providing a robust framework for evaluating creditworthiness. The flexibility of the system allows questionnaires and scorecards to be adjusted periodically to align with regulatory requirements and changes in credit policies. Users have the ability to parameterize all rules simultaneously within the process, ensuring efficient management and customization.

Screenshot of a digital platform interface, showing multiple project cards with labels like "AMPEFLOW CORPORATE SCREENING SERVICE" and "AMPEFLOW FEE TEST," each with version numbers, status tags (e.g., "LIVE," "DRAFT"), and clickable options for opening or editing, set against a minimalistic white background.

Champion-Challenger & Bulk Testing

The Decision Engine is a powerful tool that allows organizations to challenge their existing practices and build multiple models for comparison. It enables testing and validation by comparing test scenarios to live models.

Read more

Screenshot of a digital platform interface, showing multiple project cards with labels like "AMPEFLOW CORPORATE SCREENING SERVICE" and "AMPEFLOW FEE TEST," each with version numbers, status tags (e.g., "LIVE," "DRAFT"), and clickable options for opening or editing, set against a minimalistic white background.

Champion-Challenger & Bulk Testing

The Decision Engine is a powerful tool that allows organizations to challenge their existing practices and build multiple models for comparison. It enables testing and validation by comparing test scenarios to live models.

Read more

Screenshot of a digital platform interface, showing multiple project cards with labels like "AMPEFLOW CORPORATE SCREENING SERVICE" and "AMPEFLOW FEE TEST," each with version numbers, status tags (e.g., "LIVE," "DRAFT"), and clickable options for opening or editing, set against a minimalistic white background.

Champion-Challenger & Bulk Testing

The Decision Engine is a powerful tool that allows organizations to challenge their existing practices and build multiple models for comparison. It enables testing and validation by comparing test scenarios to live models.

Read more

Screenshot of a digital platform interface, showing multiple project cards with labels like "AMPEFLOW CORPORATE SCREENING SERVICE" and "AMPEFLOW FEE TEST," each with version numbers, status tags (e.g., "LIVE," "DRAFT"), and clickable options for opening or editing, set against a minimalistic white background.

Champion-Challenger & Bulk Testing

The Decision Engine is a powerful tool that allows organizations to challenge their existing practices and build multiple models for comparison. It enables testing and validation by comparing test scenarios to live models.

Read more

The image shows a digital interface of a decision engine platform displaying a complex flowchart for corporate scoring, featuring interconnected nodes and decision paths, with various options for data input and analysis tools visible at the top of the screen.

Decision trees

The Decision Engine empowers analysts to create new sets of calculations and combine them into decision trees. Modifying the logic or parameter board is made simple, as the system allows for the addition of new parameters, cloning, inactivation/activation or archiving of existing ones, all by the analyst without the need for IT intervention.

The image shows a digital interface of a decision engine platform displaying a complex flowchart for corporate scoring, featuring interconnected nodes and decision paths, with various options for data input and analysis tools visible at the top of the screen.

Decision trees

The Decision Engine empowers analysts to create new sets of calculations and combine them into decision trees. Modifying the logic or parameter board is made simple, as the system allows for the addition of new parameters, cloning, inactivation/activation or archiving of existing ones, all by the analyst without the need for IT intervention.

The image shows a digital interface of a decision engine platform displaying a complex flowchart for corporate scoring, featuring interconnected nodes and decision paths, with various options for data input and analysis tools visible at the top of the screen.

Decision trees

The Decision Engine empowers analysts to create new sets of calculations and combine them into decision trees. Modifying the logic or parameter board is made simple, as the system allows for the addition of new parameters, cloning, inactivation/activation or archiving of existing ones, all by the analyst without the need for IT intervention.

The image shows a digital interface of a decision engine platform displaying a complex flowchart for corporate scoring, featuring interconnected nodes and decision paths, with various options for data input and analysis tools visible at the top of the screen.

Decision trees

The Decision Engine empowers analysts to create new sets of calculations and combine them into decision trees. Modifying the logic or parameter board is made simple, as the system allows for the addition of new parameters, cloning, inactivation/activation or archiving of existing ones, all by the analyst without the need for IT intervention.

A corporate workflow diagram displaying a draft version, featuring interconnected nodes for operations like calculations, product parameters, risk analysis, and partner scoring, depicted with arrows indicating process flow.

Workflow automation

ApPello’s Decision Engine, in seamless integration with the Camunda Workflow Engine and ApPello Customer Portal offers a flexible solution to automate digital loan application and decision-making processes. This trio of tools enables the Bank to design, modify or test workflows in a matter of hours, drastically reducing development and implementation time and enhancing the overall customer experience.

A corporate workflow diagram displaying a draft version, featuring interconnected nodes for operations like calculations, product parameters, risk analysis, and partner scoring, depicted with arrows indicating process flow.

Workflow automation

ApPello’s Decision Engine, in seamless integration with the Camunda Workflow Engine and ApPello Customer Portal offers a flexible solution to automate digital loan application and decision-making processes. This trio of tools enables the Bank to design, modify or test workflows in a matter of hours, drastically reducing development and implementation time and enhancing the overall customer experience.

A corporate workflow diagram displaying a draft version, featuring interconnected nodes for operations like calculations, product parameters, risk analysis, and partner scoring, depicted with arrows indicating process flow.

Workflow automation

ApPello’s Decision Engine, in seamless integration with the Camunda Workflow Engine and ApPello Customer Portal offers a flexible solution to automate digital loan application and decision-making processes. This trio of tools enables the Bank to design, modify or test workflows in a matter of hours, drastically reducing development and implementation time and enhancing the overall customer experience.

A corporate workflow diagram displaying a draft version, featuring interconnected nodes for operations like calculations, product parameters, risk analysis, and partner scoring, depicted with arrows indicating process flow.

Workflow automation

ApPello’s Decision Engine, in seamless integration with the Camunda Workflow Engine and ApPello Customer Portal offers a flexible solution to automate digital loan application and decision-making processes. This trio of tools enables the Bank to design, modify or test workflows in a matter of hours, drastically reducing development and implementation time and enhancing the overall customer experience.

A digital graphic displaying a financial data analysis with a circular graph and chat bubble highlighting 58,211 for the current week, alongside a bar chart comparing current and previous week trends.

A high-performance tool for all segments & complexity levels

The Decision Engine caters to both corporate and retail segments, offering flexibility in managing risk conditions. The system allows for the separation of risk conditions, associating them with specific sectors, and operating independently.

A digital graphic displaying a financial data analysis with a circular graph and chat bubble highlighting 58,211 for the current week, alongside a bar chart comparing current and previous week trends.

A high-performance tool for all segments & complexity levels

The Decision Engine caters to both corporate and retail segments, offering flexibility in managing risk conditions. The system allows for the separation of risk conditions, associating them with specific sectors, and operating independently.

A digital graphic displaying a financial data analysis with a circular graph and chat bubble highlighting 58,211 for the current week, alongside a bar chart comparing current and previous week trends.

A high-performance tool for all segments & complexity levels

The Decision Engine caters to both corporate and retail segments, offering flexibility in managing risk conditions. The system allows for the separation of risk conditions, associating them with specific sectors, and operating independently.

A digital graphic displaying a financial data analysis with a circular graph and chat bubble highlighting 58,211 for the current week, alongside a bar chart comparing current and previous week trends.

A high-performance tool for all segments & complexity levels

The Decision Engine caters to both corporate and retail segments, offering flexibility in managing risk conditions. The system allows for the separation of risk conditions, associating them with specific sectors, and operating independently.

For ALL segments & complexity levels

The Decision Engine caters to both corporate and retail segments, offering flexibility in managing risk conditions. The system allows for the separation of risk conditions, associating them with specific sectors, and operating independently.

A digital illustration of a web browser window displaying a colorful data dashboard with bar and line graphs, featuring blue, green, purple, and pink lines against a dark background.
A digital illustration of a web browser window displaying a colorful data dashboard with bar and line graphs, featuring blue, green, purple, and pink lines against a dark background.

Are you interested?

Want to learn more about how our platform can modernize your bank?

Just schedule a call with one of our experts. We're here to help.

Are you interested?

Want to learn more about how our platform can modernize your bank?

Just schedule a call with one of our experts. We're here to help.

Are you interested?

Want to learn more about how our platform can modernize your bank?

Just schedule a call with one of our experts. We're here to help.

Are you interested?

Want to learn more about how our platform can modernize your bank?

Just schedule a call with one of our experts. We're here to help.

APPELLO AUSTRIA

A-1190 Vienna,
Heiligenstädter Lände 29/2. OG

APPELLO CZECH

Pobřežní 620/3

186 00 Praha 8-Karlín

International Business Center

APPELLO HUNGARY

H-1075 Budapest,

Madách Imre út 13-14.

Madách Trade Center, Building A, 2nd floor.

APPELLO ROMANIA

Strada Povernei 15-17

Sector 1, București

© 2025 ApPello. All rights reserved.

FOLLOW US

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APPELLO AUSTRIA

A-1190 Vienna,
Heiligenstädter Lände 29/2. OG

APPELLO CZECH

Pobřežní 620/3

186 00 Praha 8-Karlín

International Business Center

APPELLO HUNGARY

H-1075 Budapest, Madách Imre út 13-14. Madách Trade Center, Building A, 2nd floor.

APPELLO ROMANIA

Strada Povernei 15-17

Sector 1, București

© 2025 ApPello. All rights reserved.

FOLLOW US

Linkedin logo Yellow
Facebook logo Yellow
X (ex Twitter) logo Yellow
Youtube logo Yellow

APPELLO AUSTRIA

A-1190 Vienna,
Heiligenstädter Lände 29/2. OG

APPELLO CZECH

Pobřežní 620/3

186 00 Praha 8-Karlín

International Business Center

APPELLO HUNGARY

H-1075 Budapest, Madách Imre út 13-14. Madách Trade Center, Building A, 2nd floor.

APPELLO ROMANIA

Strada Povernei 15-17

Sector 1, București

© 2025 ApPello. All rights reserved.

FOLLOW US

Linkedin logo Yellow
Facebook logo Yellow
X (ex Twitter) logo Yellow
Youtube logo Yellow

APPELLO AUSTRIA

A-1190 Vienna,
Heiligenstädter Lände 29/2. OG

APPELLO CZECH

Pobřežní 620/3

186 00 Praha 8-Karlín

International Business Center

APPELLO HUNGARY

H-1075 Budapest,

Madách Imre út 13-14.

Madách Trade Center, Building A, 2nd floor.

APPELLO ROMANIA

Strada Povernei 15-17

Sector 1, București

© 2025 ApPello. All rights reserved.

FOLLOW US

Linkedin logo Yellow
Facebook logo Yellow
X (ex Twitter) logo Yellow
Youtube logo Yellow