# Oscilar

> Oscilar sells a unified risk decisioning platform to banks, fintechs, credit unions and payment companies. Its software combines data, rules, machine learning, device and behavioral intelligence, case management and AI agents across onboarding, credit, fraud and anti-money laundering compliance. Risk teams can build and test policies without coding and review agent recommendations with audit trails.

- **Founded:** 2021
- **Headquarters:** Palo Alto, United States
- **Founders:** Neha Narkhede (Co-founder and CEO), Sachin Kulkarni (Co-founder and CTO)
- **Products:** AI Risk Decisioning / Agentic Risk Platform, ACH Fraud Detection, Cognitive Identity Intelligence, Agent Hub, Oscilar AI and Oscilar MCP Server
- **Notable:** Won the Banking AI & Automation Award at the 2026 Money Awards presented by Money20/20, announced October 19, 2026., Oscilar reported more than 100 financial institution customers in October 2026., Nuvei’s case study reports manual underwriting time nearly halved and auto-adjudication rising 10-15% in the first month.

## Products & services

- **AI Risk Decisioning / Agentic Risk Platform** — Enterprise software combining data integration, rules, machine learning, visual workflows, backtesting, A/B testing and case management across financial risk functions; publicly launched in 2023.
- **ACH Fraud Detection** — Risk models and real-time transaction monitoring for ACH payment fraud.
- **Cognitive Identity Intelligence** — Device and behavioral intelligence combining device, network and behavioral signals to detect identity fraud and suspicious activity.
- **Agent Hub** — Suite of 30+ specialized agents announced in June 2026 for risk workflows, investigations, screening, analytics and explanations, with shared risk context and human oversight. Earlier agent capabilities shipped in 2025.
- **Oscilar AI and Oscilar MCP Server** — An in-product assistant and an MCP connector for external assistants; generally available October 14, 2026, included at no additional cost. External assistant workflow changes remain drafts for human deployment.

## Achievements

- Won the Banking AI & Automation Award at the 2026 Money Awards presented by Money20/20, announced October 19, 2026.
- Oscilar reported more than 100 financial institution customers in October 2026.
- Nuvei’s case study reports manual underwriting time nearly halved and auto-adjudication rising 10-15% in the first month.
- SoFi’s case study reports 50% faster deployment of credit risk strategies and more than 30% faster processing.
- Clara’s case study reports 3-4x throughput capacity without adding headcount, plus more than 80 workflow versions built by its risk team.

## Latest updates

- **2026-10** — October 19: announced the Banking AI & Automation Award win at the 2026 Money Awards.
- **2026-10** — October 14: Oscilar AI and the MCP Server became generally available; both included at no additional cost.
- **2026-06** — June 3: launched Agent Hub with 30+ specialized agents and shared risk context.
- **2026-01** — January 20: announced implementation partnership with evolv Consulting.

## Links

- Website: https://oscilar.com/
- LinkedIn: https://www.linkedin.com/company/oscilar-inc
- Twitter/X: https://x.com/oscilarinc
- GitHub: https://github.com/Oscilar

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Profile page: https://yespress.io/oscilar
Published by YesPress — https://yespress.io
Last updated: 2026-10-25