[Class : 42] Computer Programs And Software Provided As A Service (Saa S) For Use By Banks, Insurers & Other Businesses In The Financial Solutions/Services Sector; A Computer Software Platform For Credit Decisioning, Risk Assessment, And Lending Policy Management Used By Banks, Non Banking Financial Companies, And Other Credit Institutions; The Platform Enables The Creation, Testing, Governance, And Deployment Of Automated Credit Policies; Trains And Deploys Machine Learning Models For Risk Scoring; Generates Explainable Credit Appraisal Memoranda; Provides Maker Checker Approval Workflows And Tamper Evident Audit Trails; And Offers Real Time Analytics, Fairness Monitoring, And Regulatory Reporting; The Platform Includes Browser Based Policy Simulation, Visual Decision Flow Design Tools, And Downloadable Reports For Compliance And Auditing.