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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 6/4/2026 Instant Account Verification in Equipment Finance Underwriting Equipment finance is built on a simple question: can the borrower generate enough cash flow with the equipment to repay the loan? Underwriters have always worked to answer that question using financial statements, credit reports, and bank statements. The fundamentals of risk assessment remain the

Published on 5/7/2026 How Data and Technology Are Transforming MCA Lending in 2026 The landscape of small business financing and specifically Merchant Cash Advance (MCA) lending is shifting faster than most industry observers predicted just a few years ago. Once a relatively simple alternative lending product has evolved into a technology-driven, data-intensive financial solution that

Published on 4/2/2026 Trends in Consumer Lending: 2026 Edition Consumer lending entering 2026 feels like it’s finally waking up from the fever dream of speed-at-all-costs. Over the past decade lenders celebrated instant approvals, lean origination funnels, and minimal documentation. Those were necessary evolutions, but now both lenders and borrowers are asking a smarter question: what’s