Approve the right customers in seconds, not days.
Credisense gives lenders a single platform to automate onboarding, identity verification, decisioning, workflow and AI-assisted underwriting across the entire credit lifecycle.
Access 40,000+ real-time decision points spanning global credit bureaux, open banking, financial statements, assets, fraud & document intelligence, government, identity verification and compliance.
- Retail Lending
- SME Lending
- Mortgage Lending
- Asset Finance
- Motor Vehicle Finance
- Trade Credit
- Commercial Finance
Trusted by banks & lenders across New Zealand, Australia & South-East Asia.
Trade credit Widely used to open, decide and monitor trade accounts in real time across New Zealand and Australia. See howPowering credit decisions for leading lenders & enterprises
Why lenders move to Credisense.
Manual credit review limits speed, scale and resilience. Credisense replaces it with a single, real-time platform you control.
Current situation
No real-time visibility
A manual credit review with no consolidated view of the lending book across products or channels.
Inefficient use of people
Speed and scale are limited; staff capacity is consumed by manual review instead of strategic work.
Time to decision = lost customer
A 2 to 3 day approval process sends customers to the next competitor before a decision is reached.
Low resilience, hard to change
The platform is slow to change; little can be pushed to branches or online without a major project.
The Credisense advantage
Centralised real-time visibility
Every application lands in a single, instant overview of the lending book, so you see what works, where.
Increased volumes & scale
Web forms open every branch overnight, lifting decision volumes and putting the right product to the right people.
Instant decision = hold the customer
A there-and-then decision lets agents close to the preferred plan before a customer looks elsewhere.
Resilient & instantly configurable
Launch a new product and configure the lending criteria yourself, deployed across all channels, no engineering.
Unified lending operations, in one workspace.
Bring onboarding, bureau data, identity verification, financials and policy execution into a single operational workspace, enabling credit teams to assess, action and manage applications in real time across every lending product and channel.
Real-time operational visibility across your lending portfolio.
Monitor applications, workflows, decision volumes, operational queues and portfolio performance in real time through configurable dashboards designed for modern lending operations.
Every application and operational queue, in one view.
Track applications across products, channels and stages in a single operational list, with status, stage, value and ownership at a glance, so teams can prioritise, action and progress work without losing visibility.
Purpose-built AI, built into the platform.
sense.AI helps lenders reduce manual assessment, improve decision consistency and accelerate underwriting through embedded real-time intelligence designed for modern lending operations.
Customer-facing summaries
Generates clear, consistent decision summaries for customers, improving operational efficiency and experience.
Deeper insight & rationale
Provides deeper rationale, referral guidance and explainable assessment support for borderline applications.
Historical & what-if
Supports historical tracking, queries and “what-if” simulation across all assessments and your portfolio.
Everything to originate, decision and manage credit.
One connected platform across the full credit lifecycle, from first application to ongoing portfolio management.
No-code Public Forms
Branded, configurable multi-step application journeys, deployed instantly with real-time validation, no code.
Decision orchestration
A configurable rules engine applies credit, valuation, funding, serviceability and document policy with instant pass/fail.
Integrations
40,000+ data points through one connected layer, plus REST API and webhooks.
No-code Portals
Broker, dealer, introducer or customer portals. Configurable for self-service and presentation of status, conditions, deal breakdown and auditable communications.
Dashboards & reporting
Real-time pipeline visibility, configurable work queues and KPI tiles, built by business users, no analyst.
sense.AI
Purpose-built AI for decision summaries, deeper insight and what-if simulation across your portfolio.
Built for modern lending operations at enterprise scale.
Credisense gives enterprise lenders the governance, security and operational control required to deploy, scale and evolve lending operations across regulated environments.
C3-Orchestration
Controlled deployment and governed workflow promotion across environments, with auditability, release management and operational oversight built in.
C3-Synapse
Delivers real-time enterprise connectivity across APIs, webhooks, SFTP and downstream systems, reducing integration delivery time by up to 80% and accelerating enterprise operational scale.
Enterprise security & governance
Encryption in transit and at rest, role-based access controls, auditability and secure deployment practices designed for regulated lending environments.
Everything required to make a lending decision, connected in one platform.
Credisense connects lenders to credit bureaus, identity and biometric providers, financial data, property information, verification services and workflow systems through a single real-time platform, enabling faster onboarding, automated decisioning and operational scale across the entire credit lifecycle.
Enterprise-grade security and compliance built into every workflow.
Quality
Security
Cloud
Everything required to run modern lending, in one platform.
From onboarding and identity verification to AI-assisted underwriting and workflow orchestration, Credisense helps lenders operate faster, smarter and at scale.