Layer 04 of 05
Decisioning Layer
Criteria, routing, confidence, risk flags and exceptions.
What this means
Why it matters
Decisioning is where evidence becomes a recommendation. Criteria, confidence thresholds, routing rules and risk flags are applied to the governed record to produce a next best action that is explainable and reviewable.
The output is decision support, not an automatic decision. Every recommendation shows its logic, its confidence and its exception path, and every override is recorded with an outcome.
In practice
Workflow implications
Valuation routing recommends proceed, request evidence, desktop review or physical valuation, with the reasoning on display.
Case completeness scoring flags missing evidence before submission rather than during underwriting.
Low-confidence matches route to review instead of silently failing.
Exception queues give named owners a clear workload with an audit trail.
The layer
How Property Spine supports it
Property Spine keeps the human in control. Recommendations are transparent, thresholds are configurable, and every decision path ends in a recorded outcome that can be reviewed and learned from.