Decisions and actions
Cortex evaluates an application through several complementary lenses. A score summarizes risk, while behavioral, affordability, policy, and contextual signals explain why the recommendation fits—or does not fit—the merchant's configured appetite.
How a verdict is built
| Lens | Question it answers | Example output |
|---|---|---|
| TrustScore | How does the applicant perform across the weighted risk framework? | Score, risk band, category breakdown, and attributed reasons. |
| Willingness to pay | What does prior repayment behavior suggest about intent? | Behavioral verdict, risk signals, and lending confidence. |
| Capacity to pay | Can cash flow and available security support repayment? | Affordability assessment and a recommended repayment or amount. |
| Propensity to pay | How likely is repayment when the available behavioral and financial signals are considered together? | A forward-looking repayment-likelihood assessment. |
| Risk factors | Which named issues are driving risk? | High-, medium-, or low-severity blockers. |
| Macro context | What economic conditions frame the assessment? | Relevant inflation, policy-rate, or market context. |
| Rules and override | Does a hard policy rule apply, or did an authorized person change the computed outcome? | Special conditions and an auditable override reason. |
The final outcome
Actionable Intelligence returns an approval or decline recommendation with confidence, conditions, and a human-readable explanation. A hard rule can determine the outcome even when other signals are favorable; this is how the merchant's non-negotiable policy remains enforceable.
What happens after a decision
- Deliver the result. Cortex sends the TrustScore, decision response, and enrichment response to the configured webhook.
- Prepare repayment. For approved credit, Recova Pro can establish consent-based repayment mandates before funds are disbursed, including primary and backup collection accounts where configured.
- Report the credit lifecycle. Spectrum can report relevant loan events to licensed credit-bureau partners, helping maintain an auditable credit record.
Available onward actions depend on the merchant's Cortex and CreditChek service configuration. An approval does not imply that every optional action is automatically enabled.
Review the concepts and terminology used throughout Cortex.