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The credit workflow systems behind ASEAN’s leading banks — for over 25 years.

Bespoke credit workflow solutions for tier-1 and complex financial institutions. A standalone credit decision engine. And a managed subscription platform for institutions that need bank-grade origination without bank-scale procurement.

Explore Credit Workflow See our track record
Theta decisioning screen: a credit decision matrix resolving an application to an automated approval, with all 8 evaluation rules passing and the 92% STP throughput pin.

92% straight-through processing — sourced from the bank’s published annual report.

  • Founded 1999 — 25 years in credit workflow
  • 20+ implementations across 11 countries
  • Trusted by the largest bank in ASEAN since 2002
  • ISO 27001 (in progress)

Three ways to work with Theta

Credit Workflow

For tier-1 and complex financial institutions.

End-to-end loan origination systems, built bespoke to the institution's workflow, credit policy, and integration environment. Delivered by a team with 25 years of credit domain depth.

Explore Credit Workflow

Decision Manager

For institutions that need a best-in-class credit decision engine.

Theta's credit decision engine — embedded in every Origins implementation, and available as a standalone deployment. Self-service configuration means your credit policy stays in-house.

Explore Decision Manager

Origins Express

For growing FIs and non-bank lenders.

The same retail origination engine Theta deploys for tier-1 ASEAN banks — packaged as a managed subscription. Bank-grade credit workflow without bank-scale procurement.

Built on the same foundations as our tier-1 implementations.

Explore Origins Express

Proven in production

92% of eligible applications processed with automated decisioning
Achieved for the oldest tier-1 bank in the Philippines — up from 44% before implementation. Sourced from the bank's published annual report.
80% reduction in resources to process and approve auto loans
Delivered for one of ASEAN's largest banks.
25 years 20+ implementations across 11 countries
Credit workflow is the only thing we do.
See the full track record

Ready to talk through your credit workflow requirements?

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