Constraint found — Process
KalPay
Regulated consumer lending · BNPL and device financing
KalPay runs BNPL and device financing under regulatory supervision. Every approval passed through a manual queue, whatever the risk, so throughput was capped by the number of reviewers.
The diagnostic established that the review criteria were consistent enough to write down. We encoded them, and kept manual review for the cases the policy refers to a person.
60%
Decisions returned without manual review