What Decidir does

Decidir.net Sistemas e Tecnologia Ltda is a Brazil-based, privately held decision automation and orchestration platform founded circa 2000 and affiliated with Grupo Check. The company sells enterprise software that automates risk, fraud, credit-granting, compliance, and anti-money laundering (PLD) decisioning primarily to financial services institutions, with secondary expansion into insurance, healthcare, e-commerce, and logistics. Its core product, the Plataforma de Decisão, bundles a Decision Engine API, an Integrated Risk and Credit Management module, a Decision Workflow builder, a Digital Onboarding and Background Check pipeline, an Operations Desk with data repository, and the Hub Decidir integration layer connecting to multiple data sources and APIs.

Under the hood, the platform exposes a JSON-output decision API and a low-code interface that enables users to construct workflows without deep engineering resources. AI/ML capabilities — including natural-language workflow construction, generative AI-assisted decisioning, anomaly detection, and process automation — are delivered primarily through a strategic partnership with Oscilar, whose AI Risk Decisioning platform was built by the team behind risk systems at Facebook, Uber, LinkedIn, and Citibank. The technology stack is modernized with integrations to TigerGraph (graph analytics), DataHub, FastAPI, Prefect, and Astronomer.

Decidir operates an enterprise field sales motion in a single domestic market (Brazil) using 'Request a demo' and 'Contact' CTAs with quote-based pricing. The revenue model is implied recurring SaaS / platform subscription, though pricing is not publicly disclosed. No headcount, revenue, funding rounds, named end-customer logos, management team, certifications, patents, or M&A activity are disclosed in the available source material.

Name

Decidir

Legal name

Decidir.net Sistemas e Tecnologia Ltda

Website

https://decidir.ai

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Decidir is a Brazil-based enterprise software vendor that has operated a decision automation and orchestration platform for financial services, insurance, and healthcare for over 20 years, with AI capabilities delivered through a strategic partnership with Oscilar.

Ownership category

akta.pro rank

Product category

Risk Decisioning Software

NAICS

Computer Systems Design Services (541512), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computer Systems Design and Related Services (54151)

SIC

Services-Computer Integrated Systems Design (7373), Services-Prepackaged Software (7372)

akta.pro primary industry

Risk Scoring, Decisioning & Orchestration (FSAMALAB)

akta.pro secondary industries

Digital Process Automation (DPA) & Orchestration Suites (HDAEAHAF), Claims Management & Digital FNOL Platforms (FSAGAGAC)

Keywords

• Decision automation platform
• Risk decisioning software
• Credit decision management
• Fraud prevention technology
• Financial services software

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Platform Subscription/SaaS: Decision automation and orchestration platform for financial services, insurance, and healthcare organizations. The company has been developing and operating innovative platforms for over 20 years, suggesting a mature enterprise software business model with recurring subscription revenue from platform access and usage.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Decidir develops and operates a decision automation and orchestration platform used by financial services, insurance, and healthcare organizations to automate business rules for risk, fraud, credit granting, compliance, and PLD (Anti-Money Laundering / Prevenção à Lavagem de Dinheiro) decisions. The platform combines a Decision Engine API, low-code workflow builder, natural-language workflow construction (via Oscilar AI), the Hub Decidir integration layer, digital onboarding pipelines, and an operations desk for manual decision analysis.

Product overview

Decidir offers a unified decision platform for automation and orchestration of processes in financial services, insurance, and healthcare. The core platform integrates risk and credit management with a decision engine API, decision workflow creation, digital onboarding, and operations desk. The platform is enhanced by Oscilar AI (via strategic partnership) which provides generative AI and advanced machine learning capabilities. All components share the Hub Decidir integration layer connecting to various data sources via APIs.

Differentiator

Problem solved

Functional benefit

Products and services

• Plataforma de Decisão (Decision Platform) Core automation and orchestration platform that automates execution of business rules for risk, fraud, credit granting, compliance, and PLD (Anti-Money Laundering) decisions. Ensures governance, compliance, and operational efficiency for enterprise customers in financial services, insurance, and healthcare.
• Motor de Decisão API (Decision Engine API) API-based decision engine that enables real-time automated decision-making for risk, fraud, credit, and non-presence sales evaluations, with JSON output formats for integration into enterprise systems.
• Onboarding Digital e Background Check (Digital Onboarding and Accreditation Pipeline) Digital onboarding and accreditation pipeline that captures and standardizes registrations, supports configurable policies and rules via a Front-end, and is complemented by an Operations Desk for manual analysis and decision-making with a data repository.

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature6 records

Partnerships

One partnership is on record.

• OscilarcoreTechnology or IntegrationDecidir is a specialized strategic partner of Oscilar for their AI Risk Decisioning platform in Brazil. Oscilar was created by the team that built advanced risk platforms at Facebook, Uber, LinkedIn, and Citibank. This partnership provides Decidir customers access to advanced machine learning and generative AI capabilities for risk decision optimization.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Regional players

• Evertec: Evertec is a major Latin American fintech and payments technology provider based in Puerto Rico with deep Caribbean and Latin America presence. It is a relevant regional peer to Decidir for fintech infrastructure, decisioning, and payment processing in the Latin American market.

Direct peers

• Oscilar: Oscilar is the AI risk decisioning platform that Decidir partners with in Brazil. It is directly comparable as an AI-native risk decisioning product for financial services, but from the upstream technology provider side rather than the regional integrator.
• Featurespace: Featurespace provides adaptive behavioral analytics for fraud and risk decisioning in financial services. It competes with Decidir on real-time risk decisioning for cards, payments, and AML, and serves banks and payments providers globally.
• Kount (an Equifax company): Kount provides digital fraud and risk decisioning for e-commerce and financial services. It is directly comparable to Decidir in real-time transaction risk decisioning, with strong overlap in e-commerce fraud prevention.
• Feedzai: Feedzai is a global risk decisioning platform focused on fraud and AML for financial services. It is directly comparable to Decidir in product category (risk/fraud/AML decisioning) and target customers (banks, fintechs, processors), though it operates at a larger global scale.
• DataVisor: DataVisor is an AI-native fraud and risk decisioning platform serving banks, fintechs, and e-commerce companies. It is directly comparable to Decidir in fraud detection, AML, and account-opening risk decisioning use cases.

Others

• TigerGraph: TigerGraph appears as an integration partner on Decidir's site and provides graph database technology used in fraud and risk analytics. It is an enabling technology partner rather than a direct competitor, but is thematically related to graph-based risk decisioning workflows.

Broad incumbents

• FICO: FICO is an established incumbent in credit decisioning, fraud, and analytics for financial services. It overlaps with Decidir on credit and fraud decisioning, but addresses a much broader global enterprise market with a portfolio of analytics products.
• NICE Actimize: NICE Actimize is a large established provider of financial crime, fraud, and AML enterprise software for global banks. It overlaps with Decidir on AML (PLD) and fraud decisioning, but as part of a much broader enterprise compliance suite.
• LexisNexis Risk Solutions: LexisNexis Risk Solutions provides identity, fraud, and compliance analytics for financial services and insurance. It overlaps with Decidir's risk decisioning and onboarding use cases, but as a much larger data-and-analytics incumbent.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/decidirnet

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Decidir