Decyd
By DecydDecyd is a private decision layer that uses merchant POS and transaction signals to keep credit profiles current and act on pre-approved offers, engagement and risk in real time.
- Stage
- Prototype
- Industries
- Banking and finance
- Technology
- Deployment
- Hybrid
Why it is worth it
Decyd is unique because it is not just a credit model, dashboard, CRM tool, or fraud alert system. It is a real-time financial decision layer that connects live POS, payment, transaction, CRM, and behavioural data with AI scoring, institutional rules, human review, audit trails, and controlled execution. This allows financial institutions to move from delayed analysis to real-time action, generating credit recommendations, engagement triggers, fraud alerts, and revenue opportunities while keeping decisions explainable, auditable, and under institutional control.
Decyd solves the decision latency problem by turning live POS, payment, transaction, and behavioural data into real-time credit, engagement, fraud, and revenue actions for financial institutions.
Opening the deck…
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Best customer profile
Decyd’s ideal customers are banks, consumer finance companies, digital lenders, payment providers, and financial institutions serving SMEs, merchants, or high-volume retail customers. The best-fit customer has existing POS, payment, transaction, CRM, or app behaviour data but struggles to turn that data into fast, auditable financial decisions. Key decision-makers include heads of digital banking, SME lending, retail banking, risk, credit, innovation, data, and customer engagement. They benefit most when they need to improve SME credit approval speed, identify thin-file but active merchants, trigger personalised offers in real time, reduce fraud exposure, and convert existing customer behaviour into measurable lending, engagement, and revenue outcomes.
Notable paying customers
- Decyd is currently pre-revenue for this specific product and is being positioned for pilot deployment with financial institutions. The founding team has experience building AI, automation, and decision-support systems for business and enterprise environments, and Decyd is now focused on converting this expertise into a dedicated financial decisioning product for SME credit, engagement, fraud, and revenue workflows.
Decyd is a newly launched product focused on real-time financial decisioning for institutions. Key milestones include defining the core product architecture, selecting the primary pilot use case of SME credit scoring from POS and payment data, developing the 12-week pilot framework, designing the decision engine workflow, defining the AI/ML technology stack, and preparing the product for institutional pilot deployment. Decyd is currently pre-revenue for this specific product, but it is built from the founding team’s experience in AI systems, automation, software delivery, and business workflow transformation. The next milestone is to validate the platform through a controlled financial-services POC focused on turning live merchant and customer data into auditable credit, risk, engagement, and revenue actions.