WESCAPE × Merlynn TOM™ · Decision Digital Twin
What if your best expert could be in two hundred places at once?
A Decision Digital Twin learns how your most-trusted expert makes decisions — and delivers that judgement in real time, at scale, with a full audit trail.
Judgement doesn't scale
Every organisation has them — the people whose judgement you trust most. Your best underwriter. Your sharpest claims assessor. The financial-crime analyst who just knows when something is off. The problem is simple: there's only one of them, and they don't scale. As risk grows more complex, more decisions get referred upward — queues build, service slows, and consistency slips, precisely on the high-consequence calls where it matters most.
The approach
A digital twin of the decision, not the data
Powered by Merlynn's Tacit Object Modeler (TOM™), a Decision Digital Twin digitally clones how a specific expert makes decisions — capturing their judgement, instinct and tacit knowledge, not just historical data. The result is a Virtual Expert that replicates their decisions on demand.
Captures judgement, not just data
Models the expertise and instinct behind a decision, not only the numbers around it.
Built by the expert, not coders
A non-technical domain expert creates and updates their own twin; the AI complexity stays in the background.
Deploys into what you already run
integrates via the TOM API, anywhere in the process flow.
No historical dataset required
The model is built from the expert, so it works even where there's little or no clean data.
Transparent and auditable
Every decision carries a clear trail for compliance, audit or legal review.
Updates in hours
keep pace with an evolving risk and regulatory landscape.
Where it works
Underwriting
Automate the high-consequence referrals that currently wait for a human. Route mandate-level, complex or uncertain risks to the twin and get the decision of your best underwriter — in real time, consistently, without compromising the quality of the book.
Claims
Triage, authorise and escalate at speed. Apply the judgement of your best assessor to high-value or suspect claims, flag potential fraud, and cut time-to-resolution — without compromising risk management.
Financial crime / AML
Replicate your best analyst's alert-triage judgement across your entire alert volume, so scarce expertise reaches every case rather than a sampled few.
Merlynn's reported AML results:
50–80%
reduction in false positives
<3 sec
decision time per alert, down from ~30 minutes
~99%
decision accuracy
20,000
alerts processed per second (up to)
The business case
Reduce risk
Consistent, accurate decisions from your best expert applied to every case; captured intellectual property; a transparent decision trail for audit and legal purposes.
Operational efficiency
Real-time decisions and reduced mean-time-to-resolution; approval and escalation straight to the highest mandate; experts freed for higher-value work.
See how a Decision Digital Twin could scale your experts
Agile yet robust
Models update within hours to track evolving risk and regulation, so automation never falls behind the market.