Explainable AI decisioning for the banks that lend to business - built to be fast, transparent, and defensible to a regulator.
When a bank declines a loan, someone eventually has to say why. RDC.AI built its entire platform around that sentence.
Founded in Sydney in 2016 as Rich Data Co, RDC.AI makes software that helps banks and commercial lenders decide who to lend to, how much, and when to worry. What sets it apart from the older generation of credit-scoring tools is a design choice that sounds simple and is anything but: every decision the system produces arrives with a reason code - an auditable explanation of what drove the outcome. For a lender that has to answer to fair-lending rules and adverse-action requirements, that is the difference between an AI it can deploy and one that stays in a slide deck.
The company reads a business the way a careful banker would - not just its credit history, but its live cash flow. By ingesting transactional data and alternative feeds such as accounting-software exports, the platform builds a current picture of a firm's health rather than a backward-looking snapshot. Then it keeps watching. Across the life of a loan, RDC.AI monitors borrower behaviour and flags early warning signs of trouble before a default lands on the books.
RDC.AI is a cloud-native platform that covers lending from origination through to monitoring. Around a shared decisioning engine sit prebuilt solutions - data sensors, model templates, strategy templates and dashboards - meant to shorten the road from idea to production.
Continuously monitors borrower health and flags signs of default before they materialise.
Streamlines periodic credit reviews with automated, data-driven assessment.
Surfaces opportunities and sets or adjusts credit limits using predictive analytics.
Specialised decisioning for merchant and cash-flow-based finance.
Borrower evaluation and risk scoring built on transaction and alternative data.
Aggregate performance analytics and risk monitoring across the book.
"Our new name, RDC.AI, encapsulates the core of our business and future direction."Ada Guan - Co-founder & CEO, on the 2025 rebrand
The platform builds explanations using the Shapley value framework - a method from cooperative game theory that fairly attributes an outcome to each contributing factor. In practice, that means a bank can trace a decision back to the data that drove it, satisfy fair-lending obligations, and explain an adverse decision to a customer.
RDC.AI leaned into the unglamorous requirements of selling to banks: it is ISO/IEC 27001:2022 certified and holds SOC 1 (Type 2) and SOC 2 (Type 2) attestations. Its Solution Factory lets teams build models with full versioning and Self-Describing Decisions - compliance treated as a feature rather than a footnote.
Illustrative emphasis of RDC.AI's design priorities - not a benchmark.
RDC.AI sells B2B, licensing its platform to banks and commercial lenders as decisioning-as-a-service, and distributing in part through reseller partners such as NASDAQ-listed banking-software provider nCino. Named customers and partners include M&T Bank in the United States, Westpac in Australia and BNZ in New Zealand.
The M&T deal is a telling one: signed in 2024 via nCino, it put RDC.AI's explainable AI inside the sixth-largest commercial bank in North America - a beachhead that arguably validated the product as much as any funding round. Westpac's role is doubly instructive; the bank is both a strategic investor and a customer.
First US customer (2024), reached via nCino - cash-flow analysis, credit risk and portfolio management.
Led the Series B and runs the platform - an investor that is also a user.
nCino resells the platform to banks; AWS provides the cloud foundation.
Bar widths scaled to the A$37m total. Capital earmarked to accelerate North American expansion.
Ada Guan, Charles Guan and Gordon Campbell launch in Sydney to build explainable AI for credit decisioning.
Selected among Australian fintechs showcased to international investors.
Westpac and nCino lead the round to fund product and North American expansion.
M&T Bank signs via nCino; Acorn Capital adds A$9m to round out A$37m.
After nine years, Rich Data Co becomes RDC.AI to reflect its AI-centric mission.
Named a Finnies finalist for Most Innovative Application of AI.
RDC.AI was co-founded by Ada Guan, Charles Guan and Gordon Campbell. CEO Ada Guan brings more than two decades across financial services, software and retail, and led a Global Client Advisor team at Oracle before starting the company. Charles Guan serves as CTO. The company frames its culture around "diversity of thought" paired with "unity of purpose," with a stated social-impact aim of widening access to credit.
20+ years in financial services and enterprise software; ex-Oracle Global Client Advisor lead.
Leads the technology and the explainable-AI architecture behind the platform.
Part of the founding team that set out to bring transparency to credit decisioning.
It provides an explainable AI decisioning platform that helps banks and commercial lenders originate, assess, monitor and manage business loans using transaction and alternative data - with a reason code behind every decision.
Yes. It was founded in 2016 as Rich Data Co (RDC) and rebranded to RDC.AI in May 2025.
Co-founded by Ada Guan (CEO), Charles Guan (CTO) and Gordon Campbell, and headquartered in Sydney, Australia.
A A$37m Series B - an initial A$28m from Westpac and nCino plus a A$9m extension from Acorn Capital.
Banks and commercial lenders, including M&T Bank (US), Westpac (Australia) and BNZ (New Zealand), often reached through reseller partner nCino.