Decisioning as a Service
Transform lending decisions from gut feel to mathematical confidence. A single API call returns Yes/No with a degree of certainty from 0% to 100%.
{
"loan_amount": 520000,
"property_value": 650000,
"annual_income": 136980,
"monthly_expenses": 5580,
"existing_debt": 0,
"product_id": "home_loan_30yr"
}
APPROVED
Confidence: 87.3% | LVR: 0.80 | DSR: 0.85
Lending in the Dark
Most lenders don't know the statistical correlation between their risk model and the decisions they make. This makes risk management tenuous and processing slow.
Unknown Correlations
Lenders collect extensive data but don't understand the mathematical relationship between inputs and approval outcomes individual deal, actual decisions and their declared risk models.
Slow Processing
Manual reviews and ambiguous criteria lead to days or weeks of processing time for straightforward applications.
Inconsistent Risk
Without mathematical risk definitions, decisions vary by assessor, time of day, and workload pressure.
Mathematical Certainty
DaaS provides a decisioning brain on the internet. Submit loan applications via API and receive mathematically-grounded decisions based on your customer, product, loan, and lender parameters.
By forcing mathematical definitions of risk, DaaS makes risk management transparent, decisioning fast, and outcomes predictable.
- Statistical correlation models trained on historical outcomes
- Real-time analysis of all standard lending ratios
- Confidence scoring from 0% to 100% certainty
- Full transparency into decision factors
- Continuous learning from new data
Lending Ratios Analyzed
Real-time calculation and correlation
How DaaS Works
From API call to decision in milliseconds
Submit Application
Send customer, product, and loan data via REST API
Calculate Ratios
All standard lending ratios computed instantly
Apply Models
Statistical models evaluate correlations to outcomes
Return Decision
Yes/No with confidence score and factor breakdown
Simple REST API
DaaS operates as a web service. Subscribed and credentialed lenders submit requests to the API and receive structured decisions in milliseconds.
Works with any loan origination system—including Moroku Flow—via standard REST endpoints. No complex integrations or middleware required.
RESTful API
Standard HTTP methods, JSON payloads
OAuth 2.0
Secure credential management
Webhooks
Real-time decision notifications
SDK Support
Node.js, Python, .NET, Java
Works With Any Origination System
DaaS is platform-agnostic—integrate with your existing stack or use with Moroku Flow
Home Loans
Instant conditional approvals for residential mortgages with full ratio analysis and risk scoring.
High VolumePersonal Loans
Fast decisions for unsecured lending with income verification and creditworthiness assessment.
Fast TurnaroundVehicle Finance
Real-time approvals for auto loans with asset-backed risk modeling and affordability checks.
Asset-BackedCommercial Lending
Business loan decisioning with cash flow analysis and commercial risk assessment.
Complex AnalysisRefinancing
Quick assessment of refinance applications with existing debt analysis and savings calculation.
Portfolio ManagementLine of Credit
Dynamic credit limit decisions based on customer behavior and repayment history.
Ongoing AssessmentBuilt Into Moroku Flow
DaaS is natively integrated with Moroku Flow, our digital loan origination platform. Get automated decisioning out of the box with full transparency into every decision.
For lenders using other origination systems, DaaS operates as a standalone service via simple API integration. Same intelligent decisioning, any platform.
Application
Customer data collected
DaaS
Decisioning API
Decision
Yes/No + Confidence
Moroku Flow
Full loan origination with DaaS built-in
Any LOS
Standalone API for existing systems
Make Lending Decisions with Confidence
Transform your lending operations with AI-powered decisioning. Get API access today and start making mathematically-grounded decisions.