Platform – Wings

Platform overview

One platform for the full credit decisioning lifecycle

Wings supports the complete lending decision process across scoring, origination, underwriting, risk analytics, explainable AI and reporting.

Decision engine

Credit scoring and rules

Configure eligibility rules, scoring strategies, limits, pricing logic, rejection rules and decision trees in a controlled decisioning environment.

Origination

Loan conveyor

Manage application processing, routing, manual review, underwriting and decision execution across digital lending products.

Data

Risk analytics foundation

Use structured decision data for BI, monitoring, operational analytics, investigations and IFRS / GAAP reporting support.

Decision engine

Fast and controlled strategy changes

Risk teams can create, test and update credit strategies without waiting for long development cycles.
Rules, models and AI components can be updated independently and tracked through versioning and audit mechanisms.

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Business rules and eligibility checks

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Scoring strategies and scorecards

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Limit calculation and policy rules

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Rejection and referral logic

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Champion-challenger testing

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Time Machine strategy simulation

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Versioning of rules and models

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Full logging of every decision step

Origination & underwriting

Credit origination, loan conveyor and underwriter workspace

Wings supports automated and semi-automated lending flows for retail, SME and secured lending products.
Applications can be processed automatically when the decision is clear or routed to an underwriter when expert judgment is required.

Automated loan products

Use Wings for high-speed lending products and multi-step origination workflows across retail, SME and secured lending.

BNPLCash loansCredit cardsAuto loansMortgagesSME loansPDLAuto leasingIslamic financeInsurance

Underwriter workspace

For manual review cases, Wings can provide structured decision data, AI-generated explanations,
model insights and application history so underwriters can make faster and more consistent decisions.

Decision historyModel outputsAI explanationsReferral routingHuman review

AI, LLM and agents

AI agents and LLM-powered workflows

Wings supports AI-assisted decisioning scenarios where AI agents work together with business rules,
models and human experts. The platform can use internal LLMs or external LLM models for controlled
agentic workflows.

Agentic risk workflows

AI agents can help interpret decision logs, explain model outputs, detect anomalies,
identify trends and support underwriters with decision insights.

Controlled explainable AI

Wings is not a black-box AI tool. It combines AI with transparent rules,
auditable data, human expertise, reproducible responses and model governance.

Internal and external LLMs

Use local or internal LLMs where data control is required, or connect external
LLM models for selected workflows and explanations.

AI monitoring

Monitor AI-assisted decisions, model behavior and strategy performance through
structured data, logs and reporting layers.

Python, models and data science

Python support for models, features and advanced logic

Wings gives risk and analytics teams both low-code configuration and code-level control. Python can be used for feature calculation, model logic and advanced analytical workflows.

Python models and scripts

Run Python scripts for scoring, feature calculation, model logic and specialized decision components.

ML / DL model support

Support scorecards, machine learning models, deep learning models, behavioral scoring, classification, PD and LGD prediction use cases.

Analytical toolchain

Use decision data with BI, Python, R and other analytical tools for monitoring, reporting and model development.

Data foundation

Complete decision data for analytics, monitoring and AI

High-quality AI starts with high-quality data. Wings captures and structures decision data so financial institutions can monitor risk strategies, investigate incidents, build analytical data marts and develop future AI capabilities.

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Full application and decision history

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500+ parameters per credit application in WingsDM

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Data for ML / DL model development

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Operational analytics and portfolio monitoring

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Antifraud and incident investigation

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Data marts for BI and reporting

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Risk data warehouse foundation

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IFRS / GAAP reporting support

Integrations

Connect data sources quickly

Wings can connect to internal banking systems and external data providers used in credit risk,
antifraud, KYC, KYB and financial analysis. When a ready connector is not available,
new integrations can be configured quickly and, where possible, without programming.

Credit history
Credit ratings
FICO score
Antifraud data
Open banking
Public company data
Financial reports
Cash flow statements

Payroll income information
Transaction data
KYC
KYB
Employer data

Governance and explainability

Transparent, auditable and explainable decisions

Wings helps financial institutions keep decision-making transparent and controlled. Every decision can be logged, reproduced and explained through rule history, model outputs, data inputs and AI-generated insights.

Audit trail

Track strategy changes, rule versions, model versions and decision execution history for audit and governance.

Explainable AI

Support model interpretation and AI-generated explanations for analysts, underwriters and governance teams.

Compliance support

Use transparent logic, reproducible AI-agent responses and complete logging in regulated lending environments.

Who uses Wings

Built for banks, microfinance institutions and lenders

Wings is designed for organizations that issue, manage or underwrite credit products and need faster, more transparent and more flexible risk decisioning.

Banks

For retail, SME, secured lending, cards, digital lending and risk transformation teams.

Microfinance institutions

For high-speed lending, mobile loans, express loans and scalable credit operations.

Fintech lenders

For fast product launch, embedded lending, BNPL and automated risk strategies.

Telecoms and retailers

For credit-like products, customer financing and risk-based decision workflows.

FAQ

Frequently asked questions

What is Wings?

Wings is an AI-powered credit decisioning platform for banks, microfinance organizations and other lenders. It supports credit scoring, loan origination, underwriting, risk analytics, reporting and AI-assisted decision workflows.

Can Wings be used as a credit origination system or loan conveyor?

Yes. Wings can manage application processing, data enrichment, automated decisions, underwriting routing and final decision execution.

Does Wings support microfinance institutions?

Yes. Wings is suitable for microfinance institutions that need fast, scalable and controlled decisioning for mobile loans, express loans, payday loans, BNPL and other high-volume lending products.

Does Wings support IFRS / GAAP reporting?

Wings provides decision data, risk analytics and reporting capabilities that can support IFRS / GAAP-related analytical and reporting processes.

Does Wings support explainable AI?

Yes. Wings is designed for transparent and explainable decisioning. It can combine rules, models, data, AI agents and human expertise while keeping decisions logged, versioned and reproducible.

Does Wings support Python and internal LLMs?

Yes. Wings supports Python for model logic and feature calculation, plus local / internal LLMs and external LLM models for controlled AI-agent workflows.

AI-powered credit decisioning and origination platform