Oscilar has completely transformed how we approach underwriting and risk. As a rent-to-own company serving a largely sub-prime customer base, achieving an ~85% auto-decision rate has put us well ahead of our competitors in both speed and risk assessment. The platform’s flexibility, real-time decisioning, and ability to integrate multiple data sources have significantly strengthened our defenses against fraud and bad actors, while still allowing us to confidently approve good customers faster. The low-code workflows empower our team to adapt policies quickly without heavy technical lift, which has been a game-changer operationally.

Oscilar impressed us from the very beginning. The team took the time to actively listen and understand our specific use cases, and they didn’t try to force us into a standard Fraud/AML solution. They brought the right experts to every meeting, answered all of our questions, and offered multiple options along with new ideas. Oscilar also made it easy for us to share sample data for a customized POC, which clearly demonstrated their flexibility and ability to meet all of our requirements. Oscilar was willing to meet us where we are today and willing to support our growth, both on the platform and through our pricing requirements. At kickoff, Oscilar assembled a hands-on team that included a technical account manager, solutions architects, and account support. By the end of the official kickoff meeting, we had established a clear cadence, SLAs, escalation paths, support channels, RCA timelines, success criteria, and a realistic implementation plan. That level of communication and transparency gave us confidence that we could hit milestones without surprises. For us as a sponsor bank in a supervisory role, Oscilar aligns well with our “trust but verify” model. We’re looking forward to confidently reviewing partner activity, alerting on outlier behavior, and escalating issues as needed to meet our governance and oversight requirements.

Oscilar’s standout feature is its impressive flexibility and depth of customization. It enabled us to fully revamp our fraud environment, shifting from a static, “one-size-fits-all” setup to a more dynamic program. We can now investigate anomalies at a granular, user-by-user level instead of depending on broad, blunt global rules. I also value the pace of innovation. The team is consistently pushing the envelope, and we’re especially excited about our upcoming partnership around AI-driven case management and more advanced learning models.