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Making Decisions

Decision making is a key element in the application processing workflow within Axvero. The process ensures that each application is reviewed thoroughly and that decisions are made by the appropriate users, sometimes requiring input from multiple team members.

Decision Making Workflow​

  • Single User Decision:

    • For straightforward applications, a single user (such as an underwriter or manager) can review and make a decision (approve, reject, or request more information).

  • Multi-User Decision:

    • For complex or high-value applications, decisions may require input or approval from multiple users.
    • The application may be routed to all required decision makers at once, or sequentially (one after another), depending on organization rules.
    • The final outcome is determined based on the organization's rules (e.g., majority approval, unanimous consent, or manager override).

Steps in Multi-User Decision Process​

The steps can vary based on organizational requirements and application complexity:

Parallel Decision (Most Common)​

  1. Assignment: The application is assigned to two (or more) decision makers simultaneously.
  2. Review: Each user reviews the application details and supporting documents.
  3. Discussion (Optional): Users may discuss the application within the platform to clarify points or share insights.
  4. Decision Submission: Each user submits their decision (approve, reject, or request changes).
  5. Finalization: The system aggregates the decisions and finalizes the outcome according to organizational policy.

Sequential Decision (Escalation)​

  1. Initial Assignment: The application is assigned to the first decision maker.
  2. First Decision: The user reviews and makes a decision, then escalates to the next user if required.
  3. Subsequent Decisions: Each subsequent user reviews the previous decision and makes their own decision.
  4. Finalization: The process continues until all required decisions are made, and the system finalizes the outcome.

Benefits​

  • Thorough Review: Ensures complex applications are evaluated from multiple perspectives.
  • Transparency: Tracks who participated in the decision and their input.
  • Accountability: Documents the decision process for future reference and audits.

Tip: Use multi-user decision workflows for applications that require higher scrutiny or collective expertise. Most organizations require two users for decision making, but the process can be adapted for more users or sequential reviews as needed.