Oro is Decision Machine's customized build for banks — engineered on your core system, your risk rules, and your compliance model. We build it, connect it, and run it with you.
Purpose-built connectors to your core banking system — read accounts and transactions, write back decisions.
Your credit policy and risk thresholds become live scoring rules — maintained in one governed place.
KYC gates, approval chains, and audit requirements configured to your regulator's expectations.
Screens and workflows your teams actually need — underwriting queues, branch views, product-specific flows.
Deploy on-prem, in your private cloud, or hosted — data residency and security review included.
Rules and connectors evolve with your products. We ship updates without breaking your customizations.
Applications arrive from branch, web, or your loan origination system. Oro scores each one against your credit policy and routes it instantly.
Every new account and periodic review runs through sanctions, PEP, and adverse-media screening before it ever reaches a human.
Existing accounts are re-scored on a rolling basis, so renewals, limit changes, and early warnings never wait for a manual review cycle.
“Our core system is twenty years old. Oro’s team didn’t ask us to rip it out — they built around it. Six weeks in, we had live connectors and a risk team that finally trusted the score.”
Oro is delivered as a scoped engagement: our engineers connect your core, encode your rules, and hand your team a running system — typically in 8–12 weeks.
we map your core, data model, and decision policies together.
connectors built and tested against your staging core.
risk rules, gates, and workflows configured and validated by your risk team.
go-live with training, hypercare, and a named engineer.
Most engagements run 8–12 weeks end to end, from scoping your core and decision policies through go-live with hypercare. Complex multi-core or multi-entity banks may run longer — we scope the exact timeline in week one.
We build connectors for Temenos, Mambu, FIS, Finastra, and Oracle FLEXCUBE, plus in-house or legacy cores. If your core isn't listed, our solution architects scope a custom connector during the Connect phase.
Either. Oro deploys on-prem, in your private cloud, or fully hosted by us — the choice is yours, and data residency requirements are handled as part of the security review.
You get a named engineer and 90 days of hypercare after launch, and after that your rules and connectors keep evolving with your products — we ship platform updates without breaking your customizations.
Your compliance model — KYC gates, approval chains, audit trails — is configured to your regulator's expectations during the Encode phase, and every decision is fully audit-logged from day one.
Decision Machine's core platform is self-serve software your team sets up yourselves. Oro is a scoped build engagement — our engineers connect your specific core, encode your specific rules, and hand over a running system tailored to your bank.
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