B2B, Case Study 5 min read
Build or buy? How Credix saved hundreds of hours by prioritizing IP over infrastructure
Key takeaways
Credix, a leading B2B fintech transforming Latin America’s payments market, sought a scalable solution for automating credit decisions. By choosing Taktile over building in-house infrastructure, they achieved:
- 95% reduction in decision time, automating repetitive tasks like credit limit increases from hours to seconds and saving 50-100 manual reviews per day.
- 6+ months of development time saved, enabling faster go-to-market for underwriting flows while freeing up engineering and analyst resources.
- Weekly iteration cycles unlocked, empowering rapid updates to underwriting logic based on real-time data.
- Expanded use case coverage, leveraging Taktile for fraud detection, onboarding, and credit monitoring alongside underwriting workflows.
These advancements have positioned Credix to confidently scale operations, handle complex decision flows, and drive digital transformation in the B2B payments market.
Meet Credix: Driving digital transformation in Latin America's B2B market
Latin America’s $500 billion B2B payments market remains mostly offline, with just 1% of transactions occurring online. Traditional trade relies on personal relationships for credit decisions, a model that does not translate to the digital world. Credix is changing this.
“Our mission is growing businesses in Latin America. By automating credit decisions, we’re helping move the 99% of B2B commerce that isn’t yet online into the digital age,” says Maxim Piessen, Co-Founder & CTO of Credix.
Credix seamlessly embeds credit solutions into complex merchant workflows. By analyzing relationships, goods, and timing alongside advanced machine learning models, they enable real-time underwriting for online B2B transactions. Buyers benefit from optimized working capital, while sellers get paid immediately, with Credix assuming the credit risk and automating credit operations such as reconciliation and collections.
With a merchant-centric approach and access to vast capital, Credix is redefining B2B credit, enabling businesses to grow in the digital economy.
The opportunity: Take Credix’s core operating principles and apply them to decisioning
When Credix initially developed its underwriting models, the focus was on model design rather than the infrastructure supporting underwriting decisions. This approach led to challenges in adhering to three key aspects that guide Maxim and his team:
- Adaptability: Changes to underwriting models should be quick and straightforward. However, their initial setup required code-level adjustments, limiting the flexibility of their lean team, which includes both technical and non-technical people.
- Agility: The team needs to be able to respond rapidly to data-driven insights. Limited bandwidth, however, slowed updates to their underwriting logic, reducing their ability to address emerging risks and opportunities in their underwriting.
- Visibility: All stakeholders should clearly understand how and why decisions are made. In a code-based system, decision logic was not easily accessible or interpretable, making it difficult for stakeholders to engage or contribute effectively.
These gaps highlighted the need for a solution that could streamline their operations.
Which begs the question: To build or to buy a decisioning solution?
For Credix, the decision to outsource decisioning infrastructure came down to strategic focus.
“Most fintechs face the same challenge we did—there’s simply no time to build this in-house,” explains Maxim. “With a limited number of people, you have to prioritize building intellectual property. Just because you can technically build something doesn’t mean you should.”
Rather than investing resources in building decisioning infrastructure, Credix focuses on its core strengths: capturing and storing data cleanly, building powerful machine learning models, and deriving insights that drive smarter risk decisions.
The innovation: Finding a solution that aligns with Credix’s vision
When evaluating decisioning solutions, Credix sought a platform that addresses the complexities of their underwriting process while aligning with the three aspects - adaptability, agility, and visibility. After an extensive assessment of both local and international vendors, Taktile stood out as the clear choice.
As Maxim explains, “Taktile offered exactly what we needed. When we tested the platform, in just one day, we built a flow to automatically block delinquent clients from making new purchases. That was an eye-opener—if we could achieve this in a day, we knew Taktile was the right partner.”
He goes on to say, “Comparing Taktile to other solutions was like comparing an iPhone to cheap phone brands. To me, Taktile is the iPhone of decisioning vendors. It’s intuitive, powerful, and adaptable, offering building blocks that not only work for underwriting but can scale to other use cases.”
The results: 6+ months development time saved, 95%+ decision time reduction, and weekly iteration cycles unlocked
By building out its underwriting logic on Taktile, Credix saved over six months of development time and significant engineering resources. On Taktile, non-technical team members quickly consolidated siloed APIs, notebooks, and Excel sheets into a unified, testable flow with minimal support. Within a month, Credix had its first underwriting flow live in production, saving valuable engineering and analyst hours while streamlining its underwriting process.
“Everything promised in the slide deck when we were evaluating Taktile worked flawlessly in production at scale. There were no surprises—what we saw was exactly what we got,” says Maxim.
Since then, Credix has:
- 95%+ faster decisions: Taktile’s platform automated the majority of Credix’s underwriting workflows, reducing decision-making time, especially with tasks like credit limit increases from hours to seconds, saving 50-100 manual reviews per day.
“Taktile allows us to automate small but repetitive tasks. Multiplied at scale, this has a massive impact.”
- Hundreds of engineering hours saved: By eliminating the need for constant code-level adjustments and the need to build the decisioning infrastructure layer, Credix freed up significant engineering and analyst capacity. What once required hours of manual updates and testing can now be completed in minutes—giving the team the bandwidth to focus on innovation.
- Weekly iteration cycles unlocked: With Taktile, Credix can adapt their underwriting models at unprecedented speed.
“We now adjust flows weekly based on data-driven insights. If a risk metric changes, like higher default rates in a specific segment, we can act instantly. This agility is key to staying ahead in our volume-driven business.”
- Expanded use case coverage: Credix now uses Taktile for fraud detection, onboarding, and credit monitoring, leveraging its scalability and adaptability across multiple workflows.
- Sustainable decisioning at scale: Taktile not only simplified decision-making but also empowered Credix to scale its operations confidently. The ability to manage complex decision flows without adding headcount has been critical for their growth strategy.
Maxim reflects, “With Taktile, we’ve not only saved countless hours but also unlocked the potential to scale faster and smarter. It’s like going from a bicycle to a race car—we’re now equipped to handle complexity and volume effortlessly.”
He goes on to say, “You’ve given us a box of LEGO bricks to build anything we can imagine. Our team is already pushing the boundaries of what’s possible with Taktile.”
