Credit underwriting
Risk-based deposit, pricing and affordability decisions for consumer and business accounts, built and owned by your credit team
- Billing & Payments
- Integrations & APIs
Risk-based deposit, pricing, limit and affordability logic for both B2C and B2B accounts in one platform
Low-code decision editor owned by the credit team, with versioning, simulation and one-click rollback
In-life affordability and risk monitoring that re-assesses customers as their circumstances change
Bureau, open banking and internal data enrichment through the Taktile Data Marketplace
Full audit trail and model governance built for regulated environments (FCA, GDPR, SOC 2 Type II)
Credit decisions sit at the heart of a utility's bad-debt exposure, yet most teams still run them on hard-coded rules buried in core systems and spreadsheets. Setting a deposit, pricing risk, assessing affordability or extending a payment plan means an IT request and a wait, so policy lags the market and the debt book carries engineering debt. Taktile gives credit risk leaders one platform to build, test and run every underwriting decision for both consumer (B2C) and business (B2B) accounts. Risk-based deposit and pricing logic, affordability assessment, limit setting and in-life monitoring all live in a low-code editor the credit team controls, enriched by bureau, open banking and internal data. Decisions run in real time or batch and stay fully versioned and auditable. For utilities on Kraken, underwriting connects directly into billing and customer journeys.
Cut bad debt by pricing risk accurately at the start
Set deposits, limits and pricing on real-time data across consumer and SME accounts, so risk is reflected before it hits the debt book.
Change credit policy in days, not quarters
Your credit team encodes its full policy in a no-code editor and ships changes without waiting on the next release cycle.
Find the policy that works before you commit
Run side-by-side experiments on pricing, deposit and affordability logic against live traffic, then roll out the winner.
Taktile
Taktile is the agentic decision platform trusted by over 200 utilities, financial institutions and insurance providers globally
