INSIGHTS
Loan decisioning, written down.
Guides, comparisons, and explainers on loan decisioning, credit policy, document intelligence, and fraud forensics. Written by Kira from workflows running in production.
THE ARCHIVE
Latest articles.
Spreading Financial Statements: The Process, Step by Step
What financial statement spreading actually involves, step by step, where the process breaks, what it costs in analyst hours, and how to automate it without losing the audit trail.
Kira· 13 min readRead →What Is Financial Spreading? Definition, Process, and Automation
Financial spreading standardizes a borrower's statements into one template so every applicant is measured the same way. Here is what spreading in finance means, what it produces, and where it breaks.
Kira· 10 min readRead →Floowed vs Oscilar: Loan Decisioning vs Agentic Risk
Oscilar is an agentic risk platform spanning fraud, credit, onboarding and AML. Floowed is a loan decisioning platform built on document intelligence. Where each one fits, and how to tell which problem you actually have.
Kira· 8 min readRead →How Much Does Loan Decisioning Software Cost?
Nobody in this category publishes rates, so buyers compare quotes that are not comparable. The pricing models you will meet, what actually drives the number, the costs that never appear on the quote, and how to compare properly.
Kira· 7 min readRead →Taktile Pricing 2026: What It Actually Costs
Taktile does not publish pricing. What is known about the model, what drives the real total, the questions to ask their sales team, and how to compare it against a consumption-based alternative.
Kira· 6 min readRead →Back-Testing Credit Policy Changes: Know What a Rule Change Does Before It Runs
Back-testing replays a proposed credit policy change against your historical loan book and its real outcomes, so the approval-rate and NPL impact are known before the change runs, not discovered months later.
Kira· 11 min readRead →PEP Screening for Lenders: What It Is, When to Run It, and How to Get It Right
A complete guide to PEP screening across the loan lifecycle: FATF definitions, screening mechanics, false-positive management, and how to embed PEP checks inside the credit decision instead of beside it.
Kira· 11 min readRead →How Philippine Rural Banks Can Modernize Loan Decisions Without Becoming a Digital Bank
BSP's new draft rules make rural banks think twice before expanding digital reach. Modernizing the loan decisioning back office, reading passbooks, handwritten ledgers, and paper files, is the digitalization that doesn't put a rural bank in that box.
Kira· 6 min readRead →Automating Seafarer Loan Underwriting: From Handwritten Sea Service Records to Instant Decisions
Seafarer lending is high-volume and document-heavy. Here's how document intelligence on messy, handwritten maritime paperwork, plus an enforced decisioning engine, lets lenders automate seafarer loan decisions at scale.
Kira· 8 min readRead →Run a real loan through it.
See the whole decision: every gate, every reason, on record.