Questions lenders ask first.

Luminnovate gives your team a platform that turns your own history into decisions with their evidence attached, so they spend their time on judgement rather than plumbing. Your team stays in charge of what is used.

Categorisation says what a transaction was. Luminnovate says what the pattern means for the decision in front of you, judged against how that kind of business normally behaves.

No. It recommends and explains; your people decide, and your policy and approval authority stay with you.

No. It recommends and explains; a person with authority approves, and every decision is recorded with its reasons.

A historical extract for the decision you want to improve, joined to what happened next. The scope is agreed first, and only the fields that decision needs are used.

It depends on the route. Lenders and brokers use a hosted service, which processes your files for your decision and never uses them to train any model. Institutions run the software in their own environment, where only aggregate results leave, and only if you choose.

Yes. Work can begin on a synthetic extract while your privacy and security review runs.

Every model and signal comes with its documentation, its validation on later periods and its monitoring once live, in the form your validators already expect.

A fixed price for a fixed scope, agreed before work starts. If it finds nothing worth changing, you get a clear answer and the evidence for it.