Indicina is a challenger Credit Agency that does things a little differently. We use advanced machine learning technology to build powerful decision-making tools that unearth unique customer financial data. Our tailor-made open banking platform - Decide, leverage unique data points to build more inclusive profiles. Decide's smart analytics allows us to look at lender's income, spend, sweep and cash flow pattern to deliver an array of extensive attributes for a complete story of the borrower's financial status.