Taktile AI Decision Platform

Taktile GmbH is a Berlin-based software company co-founded by Maik Taro Wehmeyer and Maximilian Eber and backed by investors including Goldman Sachs Growth Equity, Tiger Global, Index Ventures and Y Combinator. It helps banks, lenders, fintechs and insurers automate risk decisions such as onboarding, credit underwriting and claims.

The decision platform combines deterministic rules, machine learning models, AI agents and human review in versioned, auditable workflows with explainability and A/B testing. It connects to 200+ data integrations including Experian, Equifax, TransUnion, CRIF, LexisNexis, Plaid and Codat, covering KYB, KYC, credit, fraud, open banking and PEP screening. Use cases include consumer and business onboarding and underwriting, and customers include Monzo, Mercury, Allianz, Kueski, Zilch, Finom and Capchase.

• Decision flows: Combines rules, ML models, AI agents and human review in one workflow.
• Data integrations: Connects 200+ bureau, KYC, fraud, open banking and screening sources.
• Underwriting automation: Approves routine applications and supports complex cases.
• KYB and KYC onboarding: Automates checks for consumers and businesses.
• Experimentation: Offers versioning, A/B testing and backtesting of policies.
• Governance: Provides audit trails and explainability for each decision.

A Vietnamese digital lender can automate approval of small consumer loans while routing borderline cases to underwriters. A bank can orchestrate KYB checks and SME credit underwriting in one auditable flow. An insurer can automate straight-through payouts for simple motor claims.

Taktile reports customer outcomes such as 95% less time to loan approval, 50% lower underwriting cost and 3 to 5 times underwriting capacity. In onboarding, it cites 75% less time to onboard and 75% fewer false positives. Zilch went live in about four weeks, and risk teams can change policies without engineering releases.

Lenders are moving credit and onboarding decisions from hard-coded systems to configurable platforms where risk teams own the logic, and are adding AI agents to handle document-heavy reviews. Digital lenders and banks in Southeast Asia face similar pressure to approve SMEs and consumers faster while keeping decisions explainable to regulators.

Taktile GmbH is registered in Berlin (HRB 216607, Berlin Charlottenburg) and represented by co-founder Maik Taro Wehmeyer. Investors include Goldman Sachs Growth Equity, Tiger Global, Index Ventures, Y Combinator, firstminute capital and Balderton Capital. Reports 200+ customers in 25+ countries and six global hubs. Lists ISO 27001, SOC 2 Type 2, GDPR and CCPA compliance.