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Published on 3/10/2022 Who are we? DecisionLogic is an information services company built around the predictive power of bank statements. We are a leading provider of borrower bank account and identity verification services for lenders and other financial institutions.  Over the years and through hard work and innovation, we have become bank statement experts. Our Instant Account […]

Published on 1/10/2022 Understanding Instant Account Verification (IAV) Instant Account Verification (IAV) is a process that is becoming increasingly popular among lenders, banks, and financial institutions. IAV is used to verify a customer’s identity and their ability to repay a loan or open an account. It is a fast and secure way for businesses to

Published on 3/30/2023 Identity Verification – The DecisionLogic Way Why it’s importantIdentity verification, or IDV as it’s commonly known, is extremely important for many reasons. First and foremost, it’s used for KYC (Know Your Customer), a compliance requirement many industries are required to follow. It breaks down exactly as it sounds. Do you know who

Published on 5/11/2023 Instant Refresh – Bank Data on Demand Bank transaction data on demand, what a great time to be in the financial services industry! Unfortunately, at the same time, not all data returns are equal and anything “in real time” goes stale very quickly. We’ll break this into bite size pieces for you

Published on 6/8/2023 IBV software is a start, but do you have the support required to scale? For lenders, one of the most critical resources to secure is your IAV or Instant Account Verification provider. You need to have access to up-to-the-minute transaction history to make lightning-fast underwriting decisions. Whether you are in Auto lending,

Published on 2/9/2024 Embark on Your Lending Odyssey: A Comprehensive Handbook to Navigate the Seas of Success with Cutting-Edge Tools for Emerging Lenders Ahoy there, future captains of lending success! Ready to set sail into the thrilling and sometimes choppy waters of lending? We’re happy to be your trusted navigators on this epic journey, and

Published on 12/4/2025 Real Answers on Real-Time Account Verification Real-time account verification, also known as Instant Account Verification (IAV) has become essential for financial institutions, lenders, and fintech companies looking to balance security, speed, and customer experience. As businesses modernize payment and underwriting systems, they often face the same set of questions about reliability, integration,

Published on 11/6/2025 DecisionLogic. Strength, Stability, Solutions. Let’s skip the fluff: lenders across consumer, business, auto, tenant, equipment, tribal, and emerging verticals pick DecisionLogic because it does the one thing financial services can’t stop struggling with, making real-time, reliable lending decisions without turning applicants into document-shredding zombies. Think of it as a digital nerve center,

Published on 10/9/2025 AI vs. ML in Lending Decisioning: Why It Matters to Know the Difference Artificial Intelligence (AI) and Machine Learning (ML) are often used interchangeably, especially in fintech and lending. While they sound like different shades of the same thing, they’re not. If you’re making decisions about how to verify income, assess bank