Bank workflow automation and modernisation: one borrower record across intake, document reading, credit assessment, approval, servicing, repayments, borrower self-service and management reporting, with an AI banking agent that does the preparation work.
Who we work with
Our customers have a credit team, a regulator that asks how each decision was made, and more files than a spreadsheet can carry.
SME, commercial and retail lending teams. Intake, spreading, assessment, approval, facility documents and monitoring run on the Covenant Desk lending core, or beside the core banking system you already run through APIs or file exchange.
Collateral as a first-class record: valuations, haircuts, loan-to-value and guarantees on the case, with exposure measured across the borrower group.
Restricted-licence banks, deposit-taking companies, leasing and non-bank lenders with 50 or more staff that need the controls a bank's auditor expects, delivered as bank workflow automation.
Banks adding SME and consumer products who want origination, credit policy, an AI banking agent and audit delivered, integrated with their own systems.
Personal, tax, debt consolidation and property loans configured as bank products, from enquiry and identity checks to repayments and collections.
A bank's local SME desk, a subsidiary finance company or several lending entities under one owner, with company-scoped staff access and a group view of each borrower's exposure.
Why institutions move
36bp
Most of the weeks between application and decision go to chasing documents and typing figures into a spreadsheet.
Each analyst computes DSCR slightly differently, so approvers cannot compare files and policy exceptions stay invisible until audit.
Analyst hours do not shrink with loan size, so small facilities cost almost as much to underwrite as large ones and are declined or over-collateralised.
Supervisors expect a documented credit decision by the right authority. An email chain and a Word memo are hard to defend.
Advantages
Agentic AI, a core banking engine, regular updates and integration with your own systems, in one custom, integrated delivery.
Authorised staff can review applications, facilities, repayments, documents and messages from one borrower profile, with entity-scoped access and audited cross-entity exposure checks where permitted.
Web, email, WhatsApp, relationship-manager and branch applications reach one queue. AI prepares the decision; your credit officers approve it, with four-eyes, approval matrices and a full audit trail.
Individual and SME scorecards check affordability, evidence gaps, delinquency and exposure, then surface hard stops, review triggers, grade caps and reason codes your credit policy defines.
Loan accounts, ledger and postings, interest and fees, repayment and collections, and disbursement on one record, run as your lending core or beside the core banking system you already have. Funds move through your own bank accounts.
Borrowers see loan details, schedules and statements, follow FPS instructions, exchange secure messages, provide requested documents and track application status. FPS and eDDA direct-debit repayment options are enabled for your bank.
Move records from your current systems, Excel or CSV in phases, run management and operational reports, and retain access, change, approval and export events. Credit reference and Credit Data Smart data-readiness are built into your implementation.
AI, in detail
AI does the work of a banking agent: it reads, drafts, schedules, summarises and monitors. Every action is logged, permissioned and reviewable, and your credit officers approve the decision.
Staff ask plain-language questions about a borrower, an exposure or overdue accounts and get answers sourced from live portal data.
The AI prepares the credit memo and the facility letter from the file, beside the scorecard and source records, for your credit officers to review and approve.
Financial statements, bank statements, certificates, HKID and business registration documents are read, and the figures go to the right fields, each linked to its page and line.
Inbound messages and attachments are captured into structured applications, with the source channel kept on the record.
AI drafts client and collections communications and schedules client and committee meetings, and your staff send them.
The agent monitors accounts and raises early-warning flags, and edits client profiles from plain-language instructions with a before and after for a person to confirm.
Where we work
Staff screens and documents are in English and Traditional Chinese; other languages are built into your deployment.
We walk through Customer 360, intake, document reading, scorecards, credit officer approval, the lending core, borrower self-service and the AI banking agent on a case shaped like yours.
Book a personalised demo
