REAL-TIME DECISIONING INFRASTRUCTURE
The layer between your systems
and your borrowers.
ShieldX decides how every credit conversation should happen, dispatches it across every channel, and learns from what was said — governed and auditable throughout.
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THE PROBLEM
Banks have every system.
Except the one that sits between them.
01
CBS fires signals directly into channels.
No scoring, no compliance check, no channel logic in between.
02
Vendors operate with no shared compliance gate.
Violations surface in post-call audits — never blocked before they happen.
03
When RBI asks, there's no answer.
No reason codes, no immutable log, no evidence when it matters.
ONE DECISION SPINE
Four capabilities. Five stages. One loop.
Not four separate products — one decision engine. Hover a capability to see which stage of the loop it drives.
Signal
›Decide
›Govern
›Execute
›Learn
THE CONTROL PLANE
One stack, five layers.
Same taxonomy, same record — every layer speaks one contract, regardless of whose pipes execute it.
01
System of record
Decision log, outcome log, and conversation-derived features — the permanent asset.
02
Decision
Scores, rules, cohorts, champion/challenger. Mandatory in every deployment.
03
Orchestrate
Sequenced, timed instructions — retry logic, channel fallback, contact-window compliance. An internal module of Decision.
04
Execution adapters
Client's CPaaS, dialer, agency work-lists, Engage, Diya — theirs or ours, one treatment-in / outcome-out contract.
05
Sensing (VI)
Post-call analysis and outcome events flow back into the record — closing the loop, even brain-only.
↻Sensing feeds back into System of record — the loop closes on every account.
LIVE
Watch a governed decision run.
TRAI window. RBI FPC. DPDP consent. Every check enforced in sequence — before the channel fires.
COLLECTIONSIllustrative simulation
TRIGGERpayment_missed·CUST-48321 · DPD 30–60 · ₹24,000
[0ms]
Signal received
CBS payment_missed event ingested
[8ms]
Risk tier — HIGH
[12ms]
Eligible channels: agent call, WhatsApp, SMS
[14ms]
TRAI window — COMPLIANT
[16ms]
TRAI DND — CLEAR
[17ms]
DPDP consent — PASS
[18ms]
RBI FPC — PASS
[19ms]
Handoff: agent call · Assist context
[19ms]
Audit record written
[—]
Call analysed post-call — hardship mentioned
Every step logged · Every check recorded · Regulator-readyCompliant ✓
Live with a leading private-sector bank·DPIIT-recognized·Mumbai
Ready to see it for yourself?
20 minutes. Your portfolio, your channels — every decision and every compliance check, live.
Request a walkthroughTailored to your portfolio·India-deployed·DPDP Act-ready