Use Case
Credit Scoring & Loan Origination
Transform credit assessment and loan origination with AI agents that automate predictive scoring, document collection, and underwriting. Move from manual processes to real-time approvals in minutes.
The Challenge
The credit assessment and loan origination process is among the most complex and highly regulated in the financial sector.
Banks and financial institutions face the daily struggle of balancing speed with rigor in creditworthiness evaluation. Traditional processes are often hindered by manual document collection, cross-database verifications, and risk analysis based on static models. These fragmented decision chains result in approval times of days or weeks, leading to high abandonment rates and unsustainable operational costs. Furthermore, regulatory pressure regarding transparency, fair lending, and real-time risk management continues to mount.
-70%
Credit approval times
99.2%
Predictive scoring model accuracy
-80%
Reduction in operational costs per case
How Askme Powers the Agentic Credit Revolution
Six key features for a fully automated and intelligent credit assessment process, transforming complexity into operational efficiency.
AI Predictive Scoring
Advanced machine learning models analyze hundreds of variables to provide faster, more accurate risk assessments than traditional methods, identifying actionable insights to predict business outcomes.
Automated Document Collection
Your AI Agent acts as always-on digital labor, guiding applicants through the collection and upload process while verifying document completeness and validity in real-time.
Autonomous Underwriting
The platform performs automatic document analysis and cross-checks against external databases, reasoning and planning the credit proposal generation without manual intervention.
Real-Time Risk Assessment
Continuous risk monitoring throughout the entire loan lifecycle. AI agents leverage a shared business context to trigger automatic alerts upon any variation in -the customer’s risk profile.
Regulatory Compliance
Automated verification for Basel, IFRS 9, AML, and consumer protection. Every decision is backed by a full audit trail, ensuring the process is secure, reliable, and compliant with European standards.
Portfolio Monitoring
Real-time dashboards provide a 360-degree view of portfolio performance, NPL ratios, risk concentrations, and early warning indicators to drive proactive decision-making.
How it Works: The Autonomous Lending Journey
From the initial request to fund disbursement in four fully automated, intelligent steps.
Application (The Request)
The customer initiates the request via portal, app, or branch. The AI agent immediately creates the case and identifies the specific documentation required.
Collection & Analysis
Acting as always-on digital labor, the AI agent collects documents and performs identity verification (CIE/KYC compliant). It autonomously queries external databases and reasons through the financial profile to ensure a complete and valid data set.
Scoring & Underwriting
Advanced AI models calculate the credit score and generate a tailored proposal. By leveraging shared business context, the system orchestrates the approval process, whether fully automated or routed for human review.
Disbursement
Once approved, Askme Sign generates the contract for a secure digital signature. Funds are disbursed, and automated continuous monitoring is triggered to track the loan lifecycle with full transparency and compliance.
The benefits: elevating the credit experience
From rigid, legacy lending to autonomous, high-velocity, and compliant disbursement.
BEFORE
Traditional Credit Scoring
- Manual and fragmented document collection
- Static and low-predictive scoring models
- Approval times of days or weeks
- Manual underwriting with high error rates
- Periodic and reactive risk monitoring
WITH ASKME
Intelligent Credit Scoring
- Guided upload with real-time automatic validation
- AI predictive scoring with hundreds of variables
- Approval in minutes for standard profiles
- Automated underwriting with integrated cross-checks
- Continuous risk monitoring with proactive early warnings