DecisionLogic is redefining how lenders evaluate creditworthiness. As a pioneer in real-time bank account verification and a leader in alternative credit data, the company equips financial institutions with the insights needed to responsibly expand access to credit.
At the center of its product suite is Instant Account Verification (IAV), a solution trusted across the industry to verify identity, analyze income flows, and assess financial behavior based on real-time bank data. But delivering accurate, instant results at scale depends on one thing: consistent, high-quality data from reliable sources.
That’s where Akoya comes in.
Scaling with open banking without compromise
DecisionLogic built its platform around data accuracy, speed, and predictive power. But as financial institutions shifted toward open banking APIs, the company faced growing limitations:
- Fragmented or unreliable data connections
- Inconsistent data quality and quantity
- Integration challenges with partners not prepared for open banking APIs
To stay ahead of evolving market expectations, the company needed a data partner built for the future of open finance, one that could deliver consistent, consumer-permissioned financial data.
“As open banking emerged, DecisionLogic encountered significant roadblocks with existing data providers. Inaccurate or unstable data created friction in the user experience and reduced applicant success rates—ultimately limiting business outcomes.”
Why Akoya: Built for data quality and conversion impact
Akoya stood out as the right partner for DecisionLogic’s next phase of growth. Its tokenized, consumer-permissioned data access model enables secure, direct API connections to consumer financial data, no screen scraping, no credential sharing, and no shortcuts.
Why DecisionLogic chose Akoya:
- High-quality, real-time data delivered via API-only connections (Akoya doesn’t store data, so every call returns to the most recently updated data from the financial institution)
- Reliable, strong performance that reduces failed verifications
- Hands-on support and responsive communication throughout the integration process
From the beginning, Akoya’s infrastructure fit naturally into DecisionLogic’s workflow. As a company built around APIs, DecisionLogic saw Akoya’s model as a natural extension of their own, allowing the teams to integrate efficiently and accelerate time to value.
“Thanks to Akoya, we have higher conversion rates and are extracting more consistent data!"
This alignment wasn’t just technical—it was strategic. With Akoya, DecisionLogic strengthened the integrity of its data pipeline, which helped drive a higher percentage of completed verifications and greater operational efficiency.
Integration: Getting it right, not just fast
The onboarding experience required close collaboration. Through constant communication, the process helped uncover critical details that improved the final integration. DecisionLogic found value in Akoya’s support model, which offered clear documentation, responsive communication, and fast issue resolution.
The support team played a key role in smoothing the onboarding process, helping the DecisionLogic team navigate edge cases and finalize data access workflows that would support long-term scale. The partnership ultimately delivered what the team needed: a clean, stable foundation for production deployment.
Results: Higher conversion, lower risk, better outcomes
Improved data quality and stability
Akoya’s secure, direct API connections significantly reduced failed verifications and provided more consistent data, freeing internal teams from managing connection issues and manual workarounds. This helped DecisionLogic increase lender throughput and improve overall user experience.
Higher conversion rates
With clean, reliable data flowing through Akoya’s API-only model, more applicants complete the verification process successfully. That translates to higher throughput for lenders and fewer drop-offs for consumers.
Faster product development cycles
Akoya’s API model enabled DecisionLogic to reallocate engineering resources toward product development and innovation. With data flows stabilized, the team could focus on advancing the platform’s capabilities rather than constantly managing connection failures or data inconsistencies.
Future vision: Driving next-generation credit intelligence
With a stable foundation in place, DecisionLogic is expanding its offerings to deliver deeper financial insights. One of its latest features, the First Payment Default Score, analyzes several weighted data points to predict the likelihood of an applicant defaulting on their first loan payment, helping reduce first-time defaults by up to 5%.
“Akoya’s data has allowed our team to focus on creating innovative products without worrying about failed connections or inaccurate information.”
This is just one example of how real-time, high-quality data is shaping the future of lending. With Akoya, DecisionLogic is positioned to continue building new features, improving outcomes, and enabling more responsible credit decisions.
Trust, transparency, and long-term partnership
Security and consumer trust are core components of DecisionLogic’s mission. The company delivers its products with strict adherence to security and compliance best practices and expects the same from its vendors.
Akoya’s tokenized, no-data-retention model has reinforced that commitment, enabling DecisionLogic to manage consumer-permissioned financial data with confidence. That level of trust and transparency, along with Akoya’s performance, has made it a pivotal long-term partner in DecisionLogic’s growth.
