Questions we hear from risk and compliance teams
At Stratyfy, we’re serious about transparency. Get answers to our most
commonly asked questions below.
We already have an LOS today and we’re using a custom model. Why do we need Stratyfy?
Stratyfy doesn’t sell off-the-shelf models; our product enables you to build and continuously optimize your own custom decisioning strategies. If you’re already using a custom model, Stratyfy can help you build a decisioning strategy around it. Our tool also offers simulation capabilities, like what-if analyses and automated strategy recommendations beyond the scope of today’s LOS.
How long does it take to integrate Stratyfy with our existing systems?
Most of our customers are live within 4–8 weeks. Stratyfy integrates directly with your existing LOS and data infrastructure — we don’t require a rip-and-replace of your current systems.
What if I already have a decisioning strategy in place?
Stratyfy can optimize existing decisioning strategies, as well as build, test, and create new strategies.
How much data do I need?
Stratyfy’s AI is less data hungry than other modeling approaches and extracts the maximum information from even small datasets. Our technology allows for experts to fill in the gaps where data might not be available or relevant, such as in changing market conditions or new product launches.
Who owns the data?
You own all data, models, and strategies.
How is Stratyfy different from traditional machine learning approaches?
While most traditional machine learning approaches sacrifice explainability for accuracy, you don’t need to make trade-offs with Stratyfy. Our technology is both accurate and fully explainable – a first in the industry. Unlike black-box AI, Stratyfy shows you which variables drove each decision or prediction, making it easy to audit the output and explain it to a regulator.
How does Stratyfy’s technology work? What does “human-in-the-loop” actually mean in practice?
Stratyfy mimics human decision-making by prioritizing the most relevant data in real-time. We bridge the gap between AI and human expertise, combining data-driven rules with human-defined logic to create strategies you can actually trust and explain.
Does making models “fair” hurt their predictive accuracy?
Stratyfy’s models often become more predictive of true creditworthiness, not less. Our clients consistently see both disparate impact reduction and portfolio performance improvement at the same time.
What does “human-in-the-loop” actually mean in practice?
With Stratyfy, your credit and risk teams retain authority over strategy rules, model weights, and override policies. The AI surfaces insights, flags anomalies, and accelerates analysis, but your team reviews, approves, and controls the final guardrails. We know that regulated institutions can’t delegate accountability to a black box, so we don’t ask you to.
Want to see it with your data?
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