Financial AI⚠ Potentially High Risk8/10

Pega AI Decisioning

Pegasystems AI-powered next-best-action decisioning engine used by banks, insurers, and telcos for customer credit, insurance, and retention decisions. Deployed in high-volume automated decision workflows.

⚠ EU AI Act Risk Classification

Indicative classification: Potentially High Risk

Legal reference: Annex III, Category 5 — next-best-action AI for credit and insurance decisions

Important: This is an indicative assessment based on typical deployment patterns. Your actual risk classification depends on your specific use case, configuration, and context. Register in Aeqora to get a precise classification using the EU AI Act decision tree.

Your obligations as a Deployer

→Article 26 compliance for AI-driven credit/insurance decisions
→Document AI decisioning model in technical file
→Human oversight integration for consequential decisions
→EU deployers must assess each Pega decisioning use case independently

How this score was derived

Methodology →

Scores 8/10: Pega AI Decisioning is the decisioning engine behind many EU bank and insurer automated decisions — squarely Annex III Category 5 where used for credit or insurance outcomes. Pegasystems publishes EU compliance documentation. Score of 8 reflects the configurability of Pega — deployers must assess each decisioning use case, as the same platform may serve low-risk marketing decisions and high-risk credit outcomes.

Provider EU AI Act documentation

Pega AI Decisioning has published EU AI Act compliance documentation. Request the provider's instructions of use and technical documentation as part of your Article 26 due diligence.

What to do next

01

Register in Aeqora

Add Pega AI Decisioning to your AI system inventory and run the classification wizard for your specific deployment.

02

Request vendor docs

Ask Pega AI Decisioning for their EU AI Act instructions of use and technical documentation.

03

Generate compliance pack

Generate your Article 26 Deployer Compliance Evidence Pack once classification is complete.

Cite this assessment

Vendor? Request a correction →

Aeqora. "Pega AI Decisioning — EU AI Act Risk Assessment." Aeqora Vendor AI Risk Index. Verified 2026-06-14. https://aeqora.eu/vendors/pega-ai

Scores are methodology-derived and citable under CC BY. View methodology →

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