PayJustNow, a leading South African Buy Now, Pay Later (BNPL) provider, empowers over a million users to split purchases into three equal, interest-free payments for flexible online and in-store shopping. Yet, it grappled with slow fraud response—new rules took days, exposing it to threats; inflexible underwriting delayed credit eligibility updates, hindering real-time optimizations; and managing processes demanded three full-time developers, driving high costs. DecisionRules software revolutionized this by accelerating fraud detection and underwriting with rapid rule implementation, flexible real-time optimizations, and eliminating the need for three dedicated developers, saving millions annually in operational costs.

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