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.
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 →Credit Decision Engine Comparison 2026: 9 Platforms by Buyer Fit
Credit decision engine comparison 2026: Floowed, Taktile, Provenir, GDS Link, Scienaptic, Lentra, FICO, Experian, CRIF on document intelligence, pricing, and buyer fit.
Kira· 10 min readRead →Rossum Pricing in 2026: What It Really Costs
What Rossum actually costs in 2026: the published Starter tier, the quote-only plans above it, the add-ons and services that drive the real total, and who the spend makes sense for.
Kira· 9 min readRead →Floowed vs Taktile: Loan Decisioning for SEA Lenders
Honest comparison of Floowed and Taktile: document intelligence, the Decision Engine, deployment, pricing, and which loan decisioning platform fits your team.
Kira· 7 min readRead →Floowed vs Provenir: Loan Decisioning for SEA Lenders
Floowed vs Provenir compared on product, pricing, and deployment: Floowed pairs Document Intelligence that reads and analyses any loan document with a Decision Engine.
Kira· 7 min readRead →Floowed vs Scienaptic: Decisioning Built for Messy Documents
Scienaptic is built for lenders with a modelling bottleneck. Floowed reads and analyses any-quality loan documents, then runs your credit policy on the Decision Engine. Where the two diverge, and which fits which team.
Kira· 12 min readRead →Floowed vs FICO Platform: Loan Decisioning, Honestly Compared
Two FICO products, often conflated. The Score is an input Floowed consumes. The Platform is an enterprise decisioning suite. Where Floowed wins: native document intelligence that reads and analyses any-quality docs, the Decision Engine, and time-to-live.
Kira· 14 min readRead →Floowed vs Ocrolus: Document Intelligence vs Loan Decisioning Platform
Ocrolus turns clean US PDFs into structured data. Floowed reads and analyses any-quality real-world loan documents and runs your credit policy on the result, in one platform.
Kira· 10 min readRead →Run a real loan through it.
See the whole decision: every gate, every reason, on record.