Provenir Decision Intelligence Platform

Provenir is a decisioning software company whose North American entity, Provenir Inc., is based in Parsippany, New Jersey, with offices in London, Singapore, Dubai, Sao Paulo and Mexico City. It helps banks, credit card issuers, fintechs, BNPL providers, auto lenders and telcos make faster and more consistent credit, fraud and identity decisions.

The low-code, cloud-native platform combines a decisioning engine, a data marketplace with 120+ partners such as credit bureaus and alternative data providers, case management, compliance oversight and Provenir AI. Risk teams build and simulate strategies against production data, then deploy them through REST APIs, batch processing or webhooks across onboarding, customer management and collections. Customers named on the site include BBVA, GM Financial, Resurs Bank, NewDay, TBI Bank, MTN and Jeitto.

• AI decisioning: Configures, tests and deploys credit and fraud decision logic in low code.
• Data marketplace: Gives access to 120+ bureau, alternative, fraud and identity sources via one API.
• Simulation: Tests strategy changes against up to 12 months of production data.
• Case management: Creates cases automatically for referrals and fraud investigations.
• Lifecycle coverage: Supports onboarding, customer management and collections decisions.
• Provenir AI: Adds an assistant and decisioning agents with audit trails.

A Vietnamese bank can unify credit card and personal loan approval strategies and test changes before release. A consumer finance company can combine bureau, telco and fraud data in one real-time onboarding flow. A BNPL provider can set dynamic limits and route suspicious applications to case management.

Provenir says clients can go live in as little as four weeks, compared with about 12 months for many institutions. Case studies on its site cite a 14 times capacity improvement at TBI Bank, 130% more pre-approvals at MTN Group, and a 20% default reduction with 67% faster approvals at Jeitto. Business users can change strategy without waiting for IT releases.

Lenders are consolidating fragmented credit, fraud and identity tools into one governed decision layer, and adding alternative data and AI agents to approve thin-file customers safely. In Southeast Asia, digital banks, consumer finance companies and BNPL providers need real-time decisioning that can adapt quickly as regulation and fraud patterns change.

Serves 120+ financial services providers in 60+ countries, processing 4+ billion decisions a year. Offices in Parsippany, London, Singapore (Provenir Singapore Private Limited), Dubai, Sao Paulo and Mexico City. Named a Strong Performer in Forrester AI Decisioning Platforms Q2 2025, a Chartis category leader in 2026 and an IDC MarketScape Major Player in 2024 and 2026. ISO 27001 certified.