Agentic credit decision engine: explainable, real-time underwriting across personal loans and BNPL

Personal loan and BNPL underwriting relies on static scorecards, rule trees, and engineering releases, while BNPL decisions must resolve in under two seconds.

- Reduce personal-loan decision turnaround from hours to under 60 seconds for 80% of applications. - Keep BNPL checkout decisions under two seconds end-to-end including agent reasoning. - Produce plain-language, regulator-defensible decline rationales and decision lineage. --- *Track: Financial Services II | Sponsor: Go TymeX | Slug: credit-decision-engine | Source: Agentic AI Build Week 2026 — Production snapshot 2026-08-11*

Underwriting relies on static scorecards, rule trees and engineering releases.