SaaS FinTech Insurance Decisioning

makeDecision: SaaS Decisioning Platform

A Russian decision engine for automating underwriting, pricing management, and business rules. A full-featured SAS RTDM replacement on a modern stack — up to 10 000 TPS and new product launches in 1–2 days.

10k
TPS
≤500ms
p99 latency
1–2 days
time-to-market
makedecision.softverno.ru
makeDecision — CI Studio, rules development environment

Challenge

After SAS RTDM was withdrawn, insurance companies and banks were left without critical decisioning infrastructure: no updates, difficult to scale, and no way to quickly adjust pricing and rules to market conditions.

Solution

We built makeDecision — an enterprise SaaS/on-prem decisioning platform: not just a SAS RTDM replacement, but an expansion of capabilities. Microservices architecture, Russian tech stack (Java, Groovy, Python), Git/CI/CD, Canary releases, and Reason Codes out of the box.

CI Studio

Visual rules builder, BPMN/DMN, Java/Groovy/Python, Git

Tariff Workbench

Pricing grids with bi-temporal versioning — no developers required

Underwriting

Application queue, Reason Codes, escalations, and full audit trail

Canary & A/B

Safe rollout of changes with automatic rollback based on metrics

Interfaces

CI Studio
CI Studio — rules development environment
Tariff Workbench
Tariff Workbench — pricing management
Underwriting Workbench
Underwriting Workbench — underwriting automation

Results

  • Direct SAS RTDM replacement with migration completed in ~4 months
  • Up to 10 000 TPS, 99.95% availability, API latency ≤ 500 ms (p99)
  • New product time-to-market — 1–2 days
  • Demo: makedecision.softverno.ru