Workflow & Decision Automation
Replace spreadsheets with systems your auditors will love
Your credit policies live in spreadsheets. Your approval routing is tribal knowledge. Your compliance team can't audit what they can't see. We design and build BPMN workflow engines and DMN decision tables that turn your manual processes into visual, auditable, deployable systems — so your business team owns the logic and your developers can focus on building.
Workflow Engine
- BPMN 2.0 visual workflow design
- Multi-step approval chains
- Parallel and conditional branching
- Automated task assignment and escalation
- Zero-downtime workflow deployments
- Full version history and rollback
Decision Engine
- DMN decision tables for business rules
- Credit scoring and risk classification
- Fee and pricing rule management
- Eligibility and KYC checks
- Business users edit rules directly
- Changes deploy in minutes, not sprints
Integration & Operations
- Core banking platform connectors
- REST API and webhook integration
- Real-time workflow monitoring
- SLA tracking and bottleneck detection
- Audit trail for every decision
- Cloud-native horizontal scaling
Visual by design
Business logic you can actually see
BPMN workflows define the process. DMN decision tables define the rules. Both are visual, auditable, and managed by your business team — not buried in code.
BPMN Workflow — Loan Approval
Each step is visible, auditable, and deployable. The gateway routes applications automatically based on the credit assessment — no manual handoff.
DMN Decision Table — Credit Risk
Your business team edits these rules directly. Change a credit threshold, add a new tier, adjust a limit — it deploys in minutes with full version history.
| Input | Output | |||
|---|---|---|---|---|
| # | Credit Score | Employment | Risk Level | Max Loan |
| 1 | ≥ 750 | Employed | Low | £50,000 |
| 2 | 650 – 749 | Employed | Medium | £25,000 |
| 3 | 650 – 749 | Self-employed | Medium-High | £15,000 |
| 4 | < 650 | Any | High | £5,000 |
| 5 | < 500 | Any | Decline | — |
What you can automate
Real processes, properly automated
Here's what banks and lenders are doing with BPMN workflows and DMN decision tables.
Loan Origination & Approval
Today
Applications arrive by email. An analyst opens a spreadsheet, checks eligibility criteria manually, forwards to a manager for approval, then emails the customer. Average turnaround: 3-5 days.
With workflow automation
Application triggers a BPMN workflow. DMN tables check eligibility, calculate risk score, and route to the right approver automatically. Approved loans reach the customer in hours, not days. Every step is logged.
Credit Decisioning
Today
Credit policy lives in a shared Excel file. Analysts interpret the rules manually. Different people apply them differently. Policy changes require updating the spreadsheet and hoping everyone uses the latest version.
With workflow automation
Credit rules live in DMN decision tables. Business users update them through a visual editor — no code, no deployment queue. Changes go live in minutes with full version history. Every decision is traceable to the exact rule version that made it.
KYC & Customer Onboarding
Today
Compliance staff follow a checklist in a Word document. Document collection happens over email. Edge cases (PEPs, high-risk jurisdictions) get stuck because the process isn't clear. Reviews take inconsistent amounts of time.
With workflow automation
A BPMN workflow handles the entire onboarding journey. Documents are collected and verified in sequence. Risk-based branching routes high-risk cases to senior reviewers automatically. SLAs are tracked in real time.
Fee & Pricing Management
Today
Fee structures are hardcoded or buried in config files. Changing a late payment fee means a code change, a code review, a deployment, and a prayer. Product managers wait weeks for simple pricing adjustments.
With workflow automation
Fee rules live in DMN tables. Product managers update pricing directly — late fees, interest tiers, promotional rates. Changes deploy instantly with zero downtime. Finance and compliance can review the rule history any time.
Collections & Arrears Management
Today
Overdue accounts are reviewed manually from a report. Staff decide who to contact, when, and how based on experience. Follow-up actions are inconsistent. Escalation happens when someone remembers.
With workflow automation
A BPMN workflow triggers automatically when an account enters arrears. DMN tables classify severity and determine the action — SMS reminder, email, phone call, or escalation. Every contact and outcome is recorded.
How it fits
Works with your existing platform
The workflow and decision engine plugs into your core banking platform — whatever you're running. It talks to your existing APIs, respects your existing permissions, and runs in your environment.
We use industry-standard BPMN and DMN — not a proprietary format that locks you in. Your workflows are portable, auditable, and understood by any business analyst who has worked with process automation before.
Visual Design
Business analysts design workflows and decision tables in a visual editor. No code required for rule changes.
Instant Deployment
Push changes to production with zero downtime. The engine handles versioning, migration, and rollback automatically.
Full Audit Trail
Every workflow execution, every decision, every rule change — logged with timestamps, user identity, and before/after state.
Scales Horizontally
Cloud-native architecture handles thousands of concurrent workflow executions. Scales with your volume, not against it.
How we work with you
Clear scope, regular demos, and working software at every stage
Understand
We dig into your operations, talk to the people doing the work, and identify where the real bottlenecks are — not just the symptoms, but the root causes.
Scope
You get a clear proposal with defined deliverables, timeline, and cost before we write a line of code. No ambiguity, no open-ended engagements.
Deliver
Agile sprints, working software every two weeks, and regular demos. You see progress throughout — not a big reveal at the end.
Frequently Asked Questions
Tell us which process hurts the most
Send us your most painful manual workflow. We'll show you what it looks like as a proper BPMN process with automated decisions.