Provenir
“Can a single AI-powered decisioning platform become the universal credit and fraud risk engine for every embedded finance deployment globally?”
HQParsippany, New Jersey, USA
IndustryInfrastructure / Lending
The story
Provenir began as a risk decisioning software vendor for financial institutions. Over time it evolved from a rules-engine and workflow platform into an AI-powered decisioning-as-a-service layer, adding a Data Marketplace that orchestrates 50+ third-party data providers (identity, open banking, accounting, bureau) directly into credit and fraud workflows. Its embedded finance push positions it as the decisioning backbone for non-financial platforms — BNPLs, neobanks, and vertical SaaS players — seeking instant credit and fraud decisions without building risk infrastructure themselves.
Last 12 months
Product timeline
2022
Launched Provenir Data Marketplace, connecting 50+ global data partners including Mastercard Open Banking, Jumio, and Codat directly into decisioning workflows.· banking
2023
Expanded embedded finance vertical with dedicated Provenir for Embedded Finance product sheet targeting non-financial platforms needing AI-powered credit and fraud decisioning.· pivot
2024
Partnered with Gini Finance to launch services in Turkey, expanding geographic footprint into emerging markets.· acquisition
The stack
Lending
AI-Powered Decisioning Platform for credit riskFraud decisioningBNPL decisioningEmbedded finance decisioningConsumer lending decisioningAuto financing decisioningLoan origination decisioningCollections decisioning
Open banking
Accounting
Accounting gap: minor