Machine learning (ML) and artificial intelligence (AI) have long been integral to financial products, powering tasks like credit scoring, fraud detection, and transaction monitoring. While these technologies have traditionally focused on generating predictions, a new shift is underway. Generative AI (GenAI) is redefining risk decisioning—not only by improving decision outcomes but also by transforming how decisions are built and optimized.

That is why we have introduced GenAI as a Copilot on Taktile—a tool that empowers you to create and refine complex decision logic with unmatched speed and precision. It places advanced technical capabilities directly at your fingertips, enabling greater efficiency and accuracy while ensuring you stay 100% in control of the process.

From the start, our mission has been to empower experts, regardless of their technical capabilities, by providing tools that put them in control of their risk decisioning processes. With a platform that features low-code/no-code tools, seamless AI/ML model deployment, and the flexibility to incorporate LLMs directly into decision logic, we have enabled teams to take full ownership of their decision-making processes—without relying on engineers.

Building on this foundation, the introduction of GenAI into the decision-authoring experience takes user empowerment to the next level. We believe AI should simplify the lives of subject matter experts while maintaining the necessary guardrails and transparency. Acting as a Copilot, GenAI on Taktile can now guide you to the right answers faster by overcoming technical barriers, supporting complex workflows, and delivering clear insights to enhance decision-making transparency.

For non-technical risk professionals—whose responsibilities span credit underwriting, onboarding, transaction and portfolio monitoring, and fraud detection—GenAI reimagines the decision-authoring experience, enabling you to create, understand, and refine complex decision logic without coding expertise. For technical users, GenAI accelerates productivity by automating repetitive tasks and improving accuracy, allowing you to focus on high-impact, complex projects.

These capabilities come together to foster a truly collaborative environment where human expertise and machine precision work seamlessly to build and refine powerful decision logic.

As Maximilian Eber, CPTO and Co-Founder of Taktile, recently mentioned in his article AI without the hype: Getting true value from LLMs without getting distracted:

Here are a few examples of how Taktile users leverage Copilot today:

Taktile has always empowered teams to use custom Python code in their decisioning, offering unmatched flexibility for building advanced logic. However, creating complex rules for tasks like underwriting, fraud detection, or customer onboarding demanded both technical expertise and time for implementation and testing. With Taktile’s Copilot, a process that might take hours can now be completed in minutes – without any coding required. You simply describe your desired outcome in plain language, and the Copilot translates your intent into actionable code or logic.

For example: "Create a rule that calculates the time a merchant has been on the platform and their median order value over the past 90 days."

With just one input, the Copilot automates the process, significantly reducing the time it takes to write, test, and implement complex code into logic.

Traditionally, understanding or editing complex decision logic also requires significant technical expertise. Taktile’s Copilot makes decision logic, regardless of complexity, more transparent and accessible for everyone.

Now, non-technical team members can not only describe what they need and have Taktile’s Copilot generate the necessary code or logic, but they can also ask the Copilot to explain existing logic in clear, human-readable summaries and even annotate logic with meaningful descriptions. This ensures that the most intricate decision logic becomes easy to understand, collaborate on, and refine.

For example: "Explain to me what this code does.”

These capabilities make decision flows easy to understand, refine, and align, fostering collaboration while building trust and transparency across teams.

Errors in decision logic can be a major roadblock, especially when it is unclear where the issue originates. Taktile’s Copilot also acts as your real-time debugging assistant, diagnosing problems and offering immediate, actionable solutions to keep workflows running smoothly.

Whether it is a syntax error in a code node, a misconfigured rule, or an edge case that was not accounted for, Copilot steps in to identify the problem, explain the root cause in simple terms, and suggest precise fixes. It clearly displays the proposed changes for your review and, once you approve, automatically applies them for you.

For example: “I’m getting an error; can you help me solve it?”

By diagnosing problems quickly and offering actionable solutions, Copilot saves users hours of troubleshooting and keeps workflows running smoothly.

From the start, Taktile has embraced AI as a tool to empower teams to make better decisions. Our AI Copilot takes this vision further, delivering a best-in-class decision-authoring experience that balances complexity with ease of use. Importantly, the end user always remains in control—Copilot provides proactive suggestions, but changes are only made once they are explicitly accepted, ensuring users retain full authority over their decisions.

We also understand that when it comes to leveraging AI, explainability and accountability are non-negotiable. Taktile ensures decisions remain transparent and defensible through robust versioning and signoff protocols, meeting the needs of customers, auditors, and regulators alike. Our comprehensive decision management infrastructure makes AI adoption not just possible—but sustainable.