case · 8F3A91SME · tier 2
Decision
Approve.
€ 84,500 · 36 months
Confidence
92%
Why
Income / obligation1.85
Peer default rate4.2%
KYC statusVerified
Regional capWithin
trace tr_12mshash 9c4f…a71b
Solutions for automated high-impact decision making
AI decisions you can explain, govern and trust.
UMNAI helps organisations automate complex decisions without losing transparency or control. Our Decision Intelligence Platform combines learning, logic and causal reasoning so every outcome can be inspected, explained and improved.
reasoning trace · tr_12ms● live
- 01inputLoan application · €84.5k
- 02ruleDTI ≤ 0.40 · Pass
- 03modelDefault probability 2.1%
- 04policyTier 2 · Auto-approve allowed
- 05outcomeApproved · Confidence 0.96
What UMNAI does
Build decision systems, not black boxes.
Most AI systems can generate outputs. Fewer can show why those outputs should be trusted. UMNAI is built for decisions that need to stand up to scrutiny: systems that learn from data, apply explicit rules and produce evidence for every decision.
Governance built-in
Regional rules, no workarounds.
Policies, thresholds and approval logic apply by default. Every decision carries the logic, evidence and context needed for review, audit and improvement, so teams can automate more confidently while keeping humans, policies and governance in the loop.
governance pack04 active
- EU AI ActHigh-risk · Documented
- Internal policy v.2026.06
- Approval threshold≥ 0.92 confidence
- Human reviewTier 3 + edge cases
audit hash
9c4f · b21e · a71b
Forecasting
Decision Strategy
Recommendations
Matching
Diagnostics
Policy Decisions
Risk Monitoring
Case Triage
Investigation
Process Optimization
Segmentation
See allWorks where your team already does
Decision Deck, Blocks or API.
Use UMNAI through ready made Decision Deck applications for inspection and human-in-the-loop control, through modular Decision Blocks integrated within your existing applications for recurring problems, or through secure APIs inside your own products and workflows.
Why it matters
Designed for decisions where accountability matters.
Explainable by design
See the inputs, rules, constraints and reasoning behind each outcome.
Governable in production
Apply policies, monitor performance and manage decision logic over time.
Human-controllable
Review, override and improve decisions where expert judgement is required.
Built to integrate
Use UMNAI through Decision Deck, modular Decision Blocks or secure APIs.
Modular by structure
Compose decision flows from reusable, individually auditable components.
Evidence at every step
Each decision ships with traceable inputs, applied policies and an audit hash.
Explore the platform
Start with the layer that fits your team.
How it works
Learning and reasoning in one architecture.
Hybrid Intelligence combines neural learning, symbolic reasoning and causal understanding, making explainability part of the decision itself, not an afterthought.
Decision solutions
Apply Decision Intelligence to real business problems.
Packaged Decision Solutions span lending, risk, payments, insurance, public sector and customer operations. Each one is ready to adapt, with governance and explainability built in.
Loan Origination
Lending Lifecycle
Insurance
Payment Portfolio
Payment Screening
AML & SAR
Digital Asset Services
Public Sector
Retail & ecommerce
Loyalty
Telecoms
Energy Trading
Ready to move beyond black-box AI?
Build AI decision systems your teams can stand behind.
Talk to UMNAI about your decision workflow, integration needs or governance requirements.