Taktile

Taktile

Taktile is a no-code decision-engine platform that lets fintechs and banks build, test, and run automated risk, credit, and fraud decisions without shipping custom code for every rule. Founded in 2020 by Maik Taro Wehmeyer and Maximilian Eber, Taktile gives risk and credit teams a visual workflow builder where analysts compose decision logic, plug in external data and machine-learning models, and A/B test changes against live traffic. It targets the moment a financial institution must approve, decline, or review an application. By moving decisioning into one governed system, Taktile aims to shorten iteration cycles that previously required engineering for each policy update.

Production credibility: Founded 2020 by Maik Taro Wehmeyer (CEO) and Maximilian Eber, who met at Harvard and previously worked together at data-science firm QuantCo. Taktile raised a $54M Series B in February 2025 led by Balderton Capital, bringing total funding to approximately $79M, with participation from Index Ventures, Tiger Global, Y Combinator, Prosus Ventures, Visionaries Club, and Larry Summers. The company reported growing ARR more than 3.5x in 2024 and roughly a 110-person team. Named customers include Mercury, Zilch, Kueski, Allianz, and Rakuten Bank. Early customer Zilch has been cited achieving up to a 50% reduction in decisioning costs (per company and reports such as TechCrunch and Index Ventures).

Key Features

• Visual, no-code decision-flow builder for analysts to author and edit policy logic
• Native integrations to external data sources (bureaus, KYC/KYB, bank data) via prebuilt connectors
• Deploy and host machine-learning models for credit scoring and fraud signals inside flows
• Built-in A/B testing and shadow/backtesting against historical or live traffic
• Versioning, audit trails, and approval controls for decision governance and compliance
• Real-time decision API to embed approve/decline/review outcomes into onboarding and underwriting
• Monitoring dashboards for decision outcomes, data quality, and policy performance
• Reusable decision components and templates across onboarding, credit, AML, and fraud use cases

Ideal Use Case

A fintech lender's risk team uses Taktile to assemble a credit-approval flow that pulls bureau and bank-transaction data, runs a scoring model, and returns an instant decision, then A/B tests a stricter policy on a slice of applicants before rolling it out.

How Taktile differentiates

Taktile competes with Alloy and Provenir in automated decisioning. Alloy is strongest as an identity, KYC, and onboarding orchestration layer, whereas Taktile centers on the broader decision logic and lets risk teams own iteration and experimentation directly. Provenir is an established decisioning and data platform that often serves larger institutions; Taktile positions itself as faster to change and more analyst-friendly via its no-code builder and built-in A/B testing. The honest trade-off: as a younger platform, Taktile has a shorter enterprise track record than incumbents, so deeply regulated buyers should validate governance, data-residency, and integration depth against their specific stack.

FAQ

Q: What is Taktile and what does it do? A: Taktile is a no-code decision-engine platform for fintechs and banks. Risk and credit teams use it to build, test, and run automated decisions, such as approving or declining loan and onboarding applications, by combining external data, machine-learning models, and policy logic in a visual workflow.

Q: Who founded Taktile and when? A: Taktile was founded in 2020 by Maik Taro Wehmeyer and Maximilian Eber, who met at Harvard and previously worked together at the data-science company QuantCo.

Q: How much funding has Taktile raised? A: Taktile raised a $54M Series B in February 2025 led by Balderton Capital, bringing total funding to approximately $79M. Investors include Index Ventures, Tiger Global, Y Combinator, Prosus Ventures, and Larry Summers.

Q: Taktile vs Alloy: how do they differ? A: Alloy is primarily an identity, KYC, and onboarding orchestration platform, while Taktile focuses on the broader decision logic and experimentation, letting risk teams build and A/B test credit, fraud, and underwriting policies in a no-code builder. Many teams use an identity layer alongside a decision engine.

Q: Which companies use Taktile? A: Taktile has named customers including Mercury, Zilch, Kueski, Allianz, and Rakuten Bank, and reported growing annual recurring revenue more than 3.5x in 2024.

tl;dr

Taktile is a no-code decision-engine platform that lets fintechs and banks build, test, and run automated risk, credit, and fraud decisions. Founded in 2020 by Maik Taro Wehmeyer and Maximilian Eber, it raised a $54M Series B (about $79M total) and counts Mercury, Zilch, and Allianz as customers.

Related

Looking for more options? Browse the Finance & Trading directory or read our best AI finance tools listicle. Taktile is also tracked on Crunchbase.