The humanless decisioning concept
37D describes Julie Loans as its independent, humanless loan-approval system: software intended to run the approval process without requiring a person to process every decision. It is a technology offering for discussing lending workflows, rather than a promise that every applicant will receive a loan.
The project discussion needs to establish what decisions the system makes, which lending products it covers, the input information it requires and who is responsible for the credit policy and resulting decisions. These implementation details will be published as they are confirmed.
Define the decision boundary
An autonomous workflow still needs a clear operating mandate. For a proposed implementation, we need to agree the approved rules, information sources, permitted decision outcomes and the circumstances requiring escalation or review.
Data quality, identity and fraud checks, decision explanations, access controls, logging, monitoring and a way to address errors are subjects for the implementation review. This page does not claim that every listed control is already implemented.
Explore a lender or technology partnership
Tell us whether you are evaluating software for your own lending operation, a technology partnership or another use. Describe your markets, products, systems and expected volumes without submitting borrower records.
Software availability, live integrations, supported jurisdictions and contractual responsibilities will be confirmed before any implementation. The current listing remains in development while those public specifications are completed.
Request a free technology demo
A free demonstration is available upon request. Tell us the technology you want to explore and your intended use so we can arrange a relevant demonstration. For projects still in development or pending approval, the available preview and its scope will be confirmed when arranging the demo.
Access in developing nations with 37D Connect
37D makes this technology available at no technology charge in developing nations when used with our 37D Connect products. Contact us to confirm the country, intended configuration and how the offer applies.
This offer concerns the 37D technology charge. Connect service and usage charges, hardware, connectivity, installation and any third-party charges are separate unless expressly included in the quotation.
Your next step
Request a conversation, pricing, partnership information or relevant case studies and testimonials where available. Your selection and fast-track code are filled automatically.
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37D excludes cannabis businesses, businesses with 51% or more of sales from alcohol, gaming businesses and businesses involving nudity from its services and acquisitions. All alcohol products are excluded from sourcing and trade. Higher Ground beverage supply to casino customers is a limited exception to the gaming-business exclusion; it does not extend to gambling operations, financing or acquisitions.