provenir

Provenir is a software company that provides a cloud-based real-time decisioning platform for financial services. The platform enables organizations to automate risk assessment, fraud prevention, and compliance-related decisions across customer onboarding and loan origination. Through a library of prebuilt connectors and an API-first architecture, Provenir ingests data from credit bureaus, identity verification services, payment networks, and other data sources, then applies configurable decision rules, scoring models, and workflow logic to generate instant eligibility determinations.

The system supports multi-domain risk decisions, including credit risk, fraud scoring, and identity verification, and is designed for use in consumer lending, buy-now-pay-later, payments, and other financial services. Users can model decisioning logic with low-code workflow tools or programmatic API calls, enabling rapid changes to rules and processes without heavy software development. Real-time decisions along with auditable governance enable simultaneous user experience optimization and risk management.

In practice, Provenir helps lenders and fintechs shorten onboarding times, improve approval rates, reduce manual review, and standardize risk decisions across channels. The platform emphasizes data privacy and regulatory compliance, offering data protection features, access controls, and support for KYC/AML workflows.

Provenir operates in a cloud-based environment and emphasizes scalability to handle high-volume origination. It competes with other decisioning and risk platforms in fintech, offering integration capabilities and configurable decisioning logic to meet diverse business needs.