Diwo
Diwo DecidePlatform · The Opportunity Engine

Your mornings start with ranked decisions, not stale dashboards.

Decide is the decision intelligence layer that inspects your data every night, finds the opportunities and risks that move the business, and hands every operator a ranked list with a recommended strategy, an AI-validated outcome, and a one-click certified brief — before the day begins.

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Opp. #1002
Online Retail Growth Opportunity
Metro Credit UnionQ1 2026
Apr 2, 2026
PRODUCTS
3
TOTAL CARDHOLDERS
8,500
TARGET CARDHOLDERS
1,850
TARGET SEGMENTS
5
Quarterly Potential Impact
$89.2K
Potential Lift+8.72%
01Detect

Diwo finds the opportunity before you look.

Every night, Decide inspects every metric in your warehouse, compares it against seasonal baselines, segment patterns, and industry signals, and ranks what matters. No dashboards to read, no alerts to filter — just a queue of opportunities sized in dollars, with a recommended next action attached.
How a major home improvement retailer ranks its queue
Opp. #1002
Online Retail Growth Opportunity
Metro Credit UnionQ1 2026
Apr 2, 2026
PRODUCTS
3
TOTAL CARDHOLDERS
8,500
TARGET CARDHOLDERS
1,850
TARGET SEGMENTS
5
Quarterly Potential Impact
$89.2K
Potential Lift+8.72%
Opp. #1014
Grocery Spend Uplift — Q1 Activation
Metro Credit UnionQ1 2026
Apr 2, 2026
PRODUCTS
5
TOTAL CARDHOLDERS
15,900
TARGET CARDHOLDERS
3,300
TARGET SEGMENTS
8
Quarterly Potential Impact
$125.4K
Potential Lift+12.35%
Opp. #1023
Subscription Services Penetration
Metro Credit UnionQ1 2026
Apr 2, 2026
PRODUCTS
2
TOTAL CARDHOLDERS
6,200
TARGET CARDHOLDERS
1,120
TARGET SEGMENTS
4
Quarterly Potential Impact
$62.7K
Potential Lift+5.93%
02Explain

Not just what — why it matters.

Every opportunity lands with an AI-authored briefing: what it is, why it matters now, and what specifically to do in the next 48 hours. Your operators don’t interpret data — they act on a position.
See how a credit services provider monetized data assets
Diwo Overview1 min read
What
Accelerate online retail penetration across high-value cardholder segments.
Why it matters
  • Seasonal online spending peaks meet a maturing digital commerce window.
  • Target base is 22% of portfolio but 28.9K transactions — concentration risk.
Actions
Map 5 target segments against 3 entity groups. Lock promotional calendar commitments with merchandising within 48 hours.
03Understand

See where the money actually lives.

Decide decomposes every opportunity into the channels, products, and industries driving it. Concentration risk and long-tail upside both show up instantly, so strategy decisions are anchored in the segments that matter — not averages.
Segment Insights
CHANNEL
1 value
#1 Card-Not-Present
Top 2 = 100% of quarterly potential impact
Card-Not-Present
$1.4K
100%
INDUSTRY
2 values
#1 Online Retail
Top 2 = 100% of quarterly potential impact
Online Retail
$929
74%
Subscription Se…
$189
26%
PRODUCT
2 values
#1 Credit
Top 2 = 100% of quarterly potential impact
Credit
$489
64%
Debit
$289
36%
04Simulate

Move a lever. Watch the impact curve update live.

What-if turns every strategy into a simulation. Drag conversion rate, tighten the impact range, swap segments — and the total impact curve, target cardholders, and quarterly dollars update in real time. No meetings, no handoffs, no modelling tickets.
Watch the what-if engine on a live account
What-If Analysis
Online Retail Growth Opportunity
Entity 7834 · Consumer
Product nameDeselect All
World Elite2
World3
Gold2
All selected · 7 entities
KPIs
Quarterly Potential Impact
$135 ↘ $61
Quarterly Potential Impact
$135
Baseline
What-if
$61
-54.7%
Target Cardholders
7
Baseline
What-if
4
-42.9%
Target Segments
3
Baseline
What-if
3
0%
Total Impact CurveX · Impact Range · Y · Target Cardholders
Conversion Rate10%
51294
Impact Range51 to 294
Target Cardholders4 (57.1%)
05Choose

Three AI strategies, scored against yours.

Before you save a strategy, Diwo AI critiques it and proposes three alternatives: High Confidence locks in proven segments, Maximum Reach expands the envelope, and Optimizedbalances growth against execution risk. Your team picks the one they’ll defend in the room.
How one issuer shipped 47 revenue plays in one quarter
Save Strategy
Online Retail Growth Opportunity
diwo AI
Diwo AI Assessment
Your strategy targets a focused segment with a 10% conversion rate, generating $61.22 quarterly impact across 4 entities. The narrow conversion assumption may underutilize high-value segments and leave revenue on the table.
Your strategy$51 – $294Quarterly Potential Impact: $61Target Entities: 4
High Confidence
Increase conversion rate to 15% on top-performing entity only. Zero execution risk; targets only proven performers.
Quarterly Potential Impact
$77 → $176+27%
Target Cardholders
2-58%
Maximum Reach
Expand to 8 entities at 8% conversion rate across all segments. Doubles breadth at a slightly lower per-segment conversion.
Quarterly Potential Impact
$81 → $236+8%
Target Cardholders
2-58%
Optimized
Balanced: 12% conversion across 6 entities and 3 segments. Captures growth without overextending execution capacity.
Quarterly Potential Impact
$91 → $236-5%
Target Cardholders
2-58%
06Certify

A certified brief for every decision.

When an operator saves a strategy, Decide generates a print-ready executive report: the strategy assumption, segment analysis, projected impact, and the recommended 30-day action. Share it in the stand-up, drop it in the board deck, or archive it as the decision of record.
See the report in your inbox
Diwo
Decision Intelligence Report

Grocery & Supermarket Spend Uplift

Q1 2026
Strategy Assumption
Diwo Recommendation · Conversion Rate: 10.0%
Generated April 21, 2026 at 10:13 AM
Contents
  • Executive Summary
  • Strategy Overview
  • Segment Analysis
  • Entity Group Analysis

Executive Summary

Activate high-concentration cardholder base to capture Q1 grocery momentum.
Quarterly Potential Impact
$125.4K
Potential Lift
45%
Target Cardholders
15,900
Transaction Count
45,200

21% of the cardholder base generates 45,200 transactions worth $987.4K — an extreme concentration that creates both a scaling opportunity and a retention vulnerability if competitors target this segment. Diwo recommends a single integrated campaign that consolidates messaging and incentives across all groups to maximize cardholder response in the next 30 days.

Recommended Action. Map the 8 target segments against 3 entity groups to identify common pairings; then design one integrated campaign that consolidates messaging and incentives across all groups.
Enterprise-ready from day one

Decide doesn’t replace your stack. It sharpens it.

Plugs into your stack

Snowflake, Databricks, BigQuery, Postgres, S3, SAP, Salesforce. No rip-and-replace. Decide sits on top, not under.

System of record for decisions

Every opportunity, strategy, and action is versioned, audited, and reproducible. A decision you made in Q1 can be replayed in Q4.

Config-driven, not custom-coded

KPIs, dimensions, what-if levers, and strategy cards are all config. Expand to a new business unit in days, not quarters.

SSO, RBAC, SOC 2 aligned

SAML/OIDC single sign-on, capability-based roles, row-level access, tenant isolation, encrypted at rest and in transit.

Your data stays yours

No training on Customer Data. Bring your own LLM provider. Decide honors data residency and model governance.

Built for enterprise review

Every AI recommendation has a trail: data pulled, model used, inputs considered, assumptions made. Legal and audit-ready.

See Decide on your data

A ranked list of opportunities — on your data.
In 30 minutes.

Send us a sample through a secure channel — or we’ll provide one. We’ll stand up Decide, run the full opportunity scan, and walk you through the top three the same week. No procurement cycle required to see it work.

· No rip-and-replace· SOC 2 aligned· Working demo in a week