INSIGHTS
Operational decisions, written down.
Guides, comparisons and explainers on the decisions businesses make over and over, the rules behind them, and the documents they depend on. Written by Kira from decisions running in production.
THE ARCHIVE
Latest articles.
What Is a Business Rules Engine? How They Work, and When You Need More Than One
A business rules engine separates your business logic from your application code so the people who own the policy can change it. How rule engines work, BRMS and DMN explained, the open-source options, and where a decision engine picks up.
Kira· 12 min readRead →What Is Three-Way Matching? Tolerances, Exceptions, and the Decision Underneath
Three-way matching compares the purchase order, the goods receipt, and the supplier invoice before payment. Here is how tolerances work, why a quarter of line items fail first time, and what actually holds an exception open.
Kira· 9 min readRead →KYB Verification: What It Checks, What It Cannot, and Where It Belongs
What KYB verification actually checks, how it differs from KYC, what it cannot prove, and how to buy business verification software that changes the decision rather than filling a portal.
Kira· 9 min readRead →Sanctions Screening Software: What It Checks, Where It Fails, and How to Buy It
What sanctions screening software checks, how PEP and adverse media screening differ, why false positives dominate the workload, where AML screening software fits, and how to buy it.
Kira· 10 min readRead →Financial Spreading Software in 2026: How to Choose
Financial spreading software splits into five archetypes and most buyers compare the wrong ones. Ten evaluation criteria for bank and credit spreading tools, the 2026 landscape, and why the real incumbent is a spreadsheet.
Kira· 14 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. What spreading in finance means, the seven steps it takes, what it costs, and where it breaks.
Kira· 14 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 decision 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 →Start with one decision.
Choose it from the library, adapt it to your systems and rules, and Floowed runs every case: every gate, every reason, on record.