Cortex capabilities

Cortex brings the underwriting journey into one configurable platform. Each capability contributes to a decision that product and risk teams can understand and engineers can trace.

Configure the lender's risk appetite

Merchant Activation defines the Common Information Model, Credit Risk Framework, weighted risk factors, and decision rules used by downstream engines. Teams can tune policy as their portfolio and appetite change without rewriting the processing pipeline.

Build a unified applicant view

Cortex accepts data from APIs, uploads, and partner feeds. It tags each source to its tenant, transforms structured and unstructured inputs, and normalizes them into the Common Information Model. Available bureau records can be reconciled rather than treating one source as complete by default.

Enrich data into risk intelligence

AIOps derives more than 60 risk signals from normalized records. Examples include income and stability measures, affordability ratios, repayment behavior, overdue exposure, and bureau aggregates.

Produce explainable decisions

Actionable Intelligence combines the configured score framework, willingness-, capacity-, and propensity-to-pay lenses, named risk factors, and hard policy rules. The output includes an attributed TrustScore, risk band, recommendation, confidence, conditions, explanation, and any override record.

Preserve auditability

Source provenance, transformation results, score reasons, policy outcomes, and overrides remain connected to the assessment. Low-confidence data can be parked in the optional EDA Store for review instead of being silently forced into the decision record.

Coordinate onward actions

The outcome can be delivered to the lender's webhook. For approved applications, CreditChek services can prepare repayment mandates through Recova Pro and report loan-lifecycle activity to licensed credit bureaus through Spectrum.

Next, see the platform architecture.