Flip
One of Indonesia's fastest-growing fintech platforms
Serving over 13 million users and 1,000 companies and SMEs across a growing suite of financial services
Website: https://flip.id/
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"TaranDM's flexibility has been valuable in handling complex decision logic, with built-in tools that support testing, audit trails, and approvals to keep our processes aligned with best practices."
Leonard Davin Solihin, Head of Underwriting and Data Science
Migration from a legacy decision engine
- Flip had been using a legacy decision engine that worked adequately for simpler use cases. However, as Flip's lending operations expanded, the platform proved too rigid and required frequent workarounds.
- The lack of flexibility, limited simulation tools, and weak change management made it increasingly difficult to scale and maintain efficient, transparent operations.
Why has Flip chosen TaranDM
- TaranDM offered an enterprise-grade decisioning platform with advanced capabilities designed for modern, fast-moving credit environments:
- Comprehensive simulation framework and A/B testing features
- Full support for both real-time and batch processing
- Intuitive versioning and change management for business logic
- Built-in data integration capabilities for internal and external sources
- User-friendly interface for managing entire decision flows, including data calls
- Transparent, competitive commercial terms and delivery model
Implementation highlights
- The full migration from the legacy engine to TaranDM was completed in just over 2 months.
- Flip successfully transferred and rebuilt all decision logic in TaranDM, culminating in the public launch of its Flip PayLater product.
- The new setup provides Flip's credit and risk teams with full control, transparency, and agility to evolve strategies as the product scales.
