A live end-to-end financing application, decided while you watch.
It configures, simulates and proves your policies with you.
Pre-built decision flows, scorecards, RACs and test packs.
The customer applies in your channel: app, web or branch.
The channel makes one real-time call to DecisionSmart.
No additional documents needed to make an offer. Authenticated data comes from GOSI and MOF; anything extra is prompted only if required.
Bureau, income and Open Banking data retrieved in parallel; commitments projected month by month.
SAMA-compliant bureau checks, and your full Risk Acceptance Criteria per your internal retail policies.
No RAC of your own yet? Plug in Qarar's pre-packaged accelerator RAC and go live from day one.
Instalments grow as existing commitments finish, capturing capacity a flat instalment wastes.
Every month stays inside regulatory DBR caps, with optional delegation of authority for manual approvals.
Declined applicants are re-assessed across your other products, so a rejection becomes a cross-sell.
Decision returned to the channel in under half a second.
Every rule that fired, every value used: fully logged for audit and regulators.
And this is just personal finance. Tap through to see the whole retail portfolio.
Total applications
Unique applicants
Accepted · 4,403
Refer · 7,051
Rejected · 7,200
Avg bureau score
Eligible · SAR
Requested · SAR
| # | IncomeBand → Input | BureauScore → Input | Segment → Input | RiskGrade → Output |
|---|---|---|---|---|
| 1 | 25000 | 720 | — | — |
| 2 | 15000 | 660 | — | — |
| 3 | 8000 | 580 | — | — |
| 4 | 5000 | 500 | — | — |
Start from the closest fit, production-proven with tier-1 banks and fintechs across the region. No RAC of your own yet? Plug ours in and go live from day one.
Stuck mid-expression? Ask in plain English. The assistant rewrites, validates and applies it.
Every accelerator ships as live DecisionSmart configuration, ready to tailor.
Origination, buyout, rescheduling and more, drawn and published.
Application and behavioural, with bands and alignment set.
Responsible-lending rule sets, plug in and adjust the caps.
Boundary and regression cases the QA Agent runs on day one.
Pick the closest accelerator, map products, data and policy gaps.
Caps, tenors, pricing and flows tuned in the studio. No code.
The QA Agent runs the shipped cases against your configuration.
Before-and-after on your own book, then publish with rollback.
Production-proven with tier-1 banks and fintechs across the region. Start from the closest fit.
Drop in the BRD. The agent reads it, plans the build in stages, and waits for your go.
You approved every stage. The agent did the typing.
Workfields, rules, scorecard and matrix, exactly as written.
Every artifact created in the studio, named, typed and referenced.
Approve and decline cases ran the flow and fired where the BRD said.
A new version went live, the previous one kept one tap away.
DBR cap at 45%
Verified income only
Manual referral on missing salary
DBR cap tightened to 40%
Open Banking income fallback
Auto-clear referrals with verified OB salary
Same applicants, both policies, side by side. Results logged for sign-off.
414 declines became offers. Every one passes the new affordability floor with Open Banking income.
146 referrals cleared automatically. Verified salary arrived through the fallback, no analyst touch.
0 previously accepted cases lost. The tighter cap moved no good applicant out.
You have seen it inside DecisionSmart. Point it at your core banking, LOS or CRM too: it learns your logic, reads the BRD, and writes the tests.
Delinquency, exposure, repayment history
Applications, documents, statuses
Customers, segments, contact history
Business users write policy in English. The Ai turns it into a calculated field.
The QA Agent reads your RAC and builds the evidence, before a single customer touches it.
Drawn from your rules and policies, replacing weeks of manual scripting.
Real approve and decline paths fire through the published configuration, not a copy of it.
Coverage gaps flagged and results logged, ready for your QA and audit teams.
Works on your configuration or the accelerator packs.
Every knock-out and referral rule exercised at its boundary.
of cases generated, run and logged in minutes, not sprints
shadowed rules, dead branches and conflicting caps flagged, with fixes drafted
evidence pack exported for QA and audit
The same journey, the same engine, every product you sell.
Watch cases move from decline to accept, and see exactly which ones, before anything goes live.
Every simulation runs on your own cases, inside DecisionSmart, with the results logged for sign-off.
Move a cut-off, watch every band respond
See which reasons grow or disappear
Amount, tenor and rate strategies compared
Two live strategies, measured head to head
Risk impact next to every approval gain
Every product, every segment, one run
Offers shaped to real repayment capacity, not worst-month caps.
Measured on the DecisionSmart dashboard, on a single node.
Every applicant is automatically assessed for your other products too.
Scan for Qarar.ai, or just wave. We're right here at the booth.
The walkthroughs are built for landscape. The live product demos work in portrait too.