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Chris Pretorius on How PayJustNow Scaled Fraud Detection and Underwriting with DecisionRules
South Africa’s leading BNPL provider went from days to minutes in deploying fraud rules, gained real-time control, and improved underwriting agility—all while freeing developers to focus on core projects.
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🚀 Accelerating Fraud Detection and Underwriting with DecisionRules at PayJustNow 💳
Chris Pretorius, Decision Science Manager at PayJustNow, shares how South Africa’s leading "Buy Now, Pay Later" provider has transformed fraud detection and underwriting processes using DecisionRules. With over 2M users and rapid growth, agility and innovation were essential to scale responsibly. Here’s the story:
🛡️ Fraud Detection
- From Days to Minutes: According to Chris, "Deploying new fraud rules used to take days. Now, with DecisionRules, updates are live in minutes."
- Real-Time Adjustments: The team can instantly block suspicious activities without relying on developers.
📊 Underwriting Innovation
- A/B Testing: "We’ve gained the ability to test and optimize lending criteria on the fly," says Chris.
💡 The Impact
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Looking ahead, PayJustNow looks to expand DecisionRules into dynamic credit management and personalized customer experiences, ensuring they stay ahead in the competitive BNPL market.
