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TL;DR - Oscilar
- Unified AI platform for fraud, credit, onboarding, and AML risk.
- Automates risk decisioning with agentic AI and human-in-the-loop control.
- Monitors the full customer journey and integrates with 80+ data sources.
Pricing: Paid only
Best for: Enterprises & pros
Pros & Cons
Pros
- Significantly reduces manual underwriting time (e.g., 50% for Nuvei).
- Increases processing speed for risk decisions (e.g., 30%+ for SoFi).
- Boosts client onboarding times (e.g., 3x for Clara).
- Reduces false positives and improves approval rates.
- Provides a comprehensive, end-to-end risk management solution.
Cons
- Specific pricing details are not publicly available.
- Requires integration with existing financial systems and data sources.
Key Features
AI Risk Decisioning™Fraud defenseCredit underwritingOnboarding risk management (consumer, business, merchant)AML complianceAgentic AI for smart recommendations and workflow supportNatural language interaction for workflow creation and editingOne-click database connection
Pricing
Paid
Oscilar offers paid plans. Visit their website for current pricing details.
About Oscilar
By Toolradar Team·
Oscilar is an AI Risk Decisioning™ platform designed for financial institutions to make intelligent risk decisions faster across various operations. It provides a unified solution for fraud defense, credit underwriting, onboarding risk, and AML compliance. By leveraging agentic AI, Oscilar automates data fetching, scoring, and escalation steps, offering smart recommendations and workflow support while ensuring human experts retain control for regulatory compliance and fair outcomes.
The platform monitors the entire customer journey, from login to payments and compliance. It helps financial institutions approve more of the right customers, reduce false positives, and increase approval rates during onboarding for consumers, businesses, and merchants. Oscilar integrates with existing databases and over 80 third-party data sources, utilizing advanced device and behavioral signals to enhance customer identification and risk assessment.
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Oscilar FAQ
How does Oscilar's agentic AI differ from traditional AI solutions in risk management?
Oscilar's agentic AI autonomously chains together data-fetch, scoring, and escalation steps, providing smart recommendations and workflow support. This differs from traditional AI by actively orchestrating multiple actions and data points to achieve a goal, while still keeping human experts in control for regulatory compliance and fair outcomes, rather than just providing a score or prediction.
Can Oscilar adapt its onboarding workflows based on the specific risk profile of an applicant?
Yes, Oscilar's AI-powered workflows are designed to adapt to each user's risk profile. This means the system can dynamically trigger enhanced due diligence and additional verification steps only when necessary, optimizing the onboarding process for both low and high-risk applicants.
What types of third-party data sources can be integrated with Oscilar, and how extensive is its marketplace?
Oscilar offers a marketplace with over 80 partners, allowing seamless connection to a wide range of third-party data sources. These integrations leverage advanced signals such as device intelligence, behavior biometrics, and data enrichments to provide a comprehensive 360-degree view of each applicant for enhanced customer identification.
How does Oscilar ensure regulatory compliance and fair outcomes when using AI for risk decisioning?
Oscilar's approach is bounded and goal-based, prioritizing human-in-the-loop approvals. This means that while the AI provides recommendations and automates steps, human experts remain in full control to review and approve critical decisions, ensuring adherence to regulatory requirements and maintaining fair outcomes.
Is Oscilar suitable for both consumer and business onboarding, and does it handle specific requirements like KYB?
Yes, Oscilar is designed to manage onboarding risk for consumers, businesses, and merchants. It specifically orchestrates Know Your Business (KYB) checks for business applicants, alongside Know Your Customer (KYC) for consumers, and enhanced identity checks to provide a complete risk assessment across different customer types.
Source: oscilar.com