# RDC.AI

> RDC.AI (formerly Rich Data Co) is a Sydney-founded software company that builds an explainable AI decisioning platform for business and commercial lenders. Its cloud-native platform ingests transactional and alternative data to help banks originate, assess, monitor and manage loans faster and more transparently, producing a reason code for every decision so lenders can satisfy fair-lending and regulatory obligations. Backed by Westpac, nCino and Acorn Capital through a A$37m Series B, RDC.AI counts institutions such as M&T Bank, Westpac and BNZ among its customers and is expanding into North America.

- **Founded:** 2016
- **Headquarters:** Sydney, Australia
- **Founders:** Ada Guan (CEO and Co-founder), Charles Guan (CTO and Co-founder), Gordon Campbell (Co-founder)
- **Team size:** ~72 employees
- **Products:** AI Decisioning Platform, Early Warnings, Automated Reviews, Leads & Limits, Merchant Lending
- **Notable:** Closed a A$37m Series B led by Westpac and nCino, extended by Acorn Capital, Signed M&T Bank, the sixth-largest commercial bank in North America, as first US customer (2024), Rebranded from Rich Data Co to RDC.AI after nine years (2025)

## Products & services

- **AI Decisioning Platform** — Cloud-native, explainable AI platform spanning the commercial lending life cycle - origination, assessment, monitoring and portfolio management - with a reason code for every decision.
- **Early Warnings** — Continuously monitors borrower health across the life of a loan and flags early signs of default before they materialise.
- **Automated Reviews** — Streamlines periodic credit reviews with automated, data-driven assessment workflows.
- **Leads & Limits** — Identifies growth opportunities and sets/adjusts credit limits using predictive analytics.
- **Merchant Lending** — Specialised decisioning for merchant and cashflow-based finance products.
- **Risk Rating** — Borrower evaluation and risk scoring built on transaction and alternative data.
- **Portfolio Insights** — Aggregate portfolio performance analytics and risk monitoring for lenders.
- **Solution Factory** — Model development environment with full versioning and Self-Describing Decisions for building safe, compliant AI/ML models.
- **RDC.AI Assistants** — Agent-based capabilities that surface platform insights to different bank stakeholders.

## Achievements

- Closed a A$37m Series B led by Westpac and nCino, extended by Acorn Capital
- Signed M&T Bank, the sixth-largest commercial bank in North America, as first US customer (2024)
- Rebranded from Rich Data Co to RDC.AI after nine years (2025)
- ISO/IEC 27001:2022 certified and SOC 1 (Type 2) and SOC 2 (Type 2) attested
- ADA Founder Award 2024 and AI Innovation Award 2025
- Finnies 2026 finalist for Most Innovative Application of AI
- AmCham Alliance finalist and Australia's Best Workplace nominee

## Latest updates

- **2025-05** — Rich Data Co rebrands to RDC.AI, marking a new era in business and commercial credit decisioning.
- **2024-08** — Secured an additional A$9m from Acorn Capital, rounding out a A$37m Series B.
- **2024-05** — Signed M&T Bank as its first US customer, via reseller partner nCino.
- **2023-11** — Closed initial A$28m Series B led by Westpac and nCino to fund North American expansion.

## Links

- Website: https://rdc.ai
- LinkedIn: http://www.linkedin.com/company/rdcai

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Profile page: https://yespress.io/rdc-ai
Published by YesPress — https://yespress.io
Last updated: 2026-07-25