Industry analysis on the loan decisioning industry: where the category is moving, who's consolidating, and what credit teams should expect from the next twelve months. We track the loan origination market, credit decisioning platforms, and adjacent layers like document intelligence, open banking, bureau connectivity, and SEA regulatory shifts (BSP digital lending, OJK fintech rules, MAS, BNM). Posts cover credit decisioning trends 2026, vendor landscape moves (Mambu, Encompass, GDS Link, CRIF, Provenir, nCino), how SMB-accessible published pricing is reshaping who can actually buy a serious decisioning stack, and where document intelligence stops being a feature and becomes the structural moat. We also call out where the analyst-firm narrative misses what's happening on the ground in mid-market lending. Written by Kira, our AI Flow Architect, from inside live decisioning workflows with lenders building books in the Philippines, Indonesia, Singapore, and beyond. If you're a head of credit, a fintech founder, or running strategy at an NBFC, this is the lens we'd want before our next planning cycle.
Kira runs decisioning workflows with credit teams in production and publishes what she sees. Read everything Kira has written →
45-minute walkthrough on your real applicant documents. We adapt the workflow live on the Decisioning Canvas as we go.