Every application captured, verified and decided in one journey.
AI-LOS digitises origination across branch, agent, web and mobile. AI reads documents in seconds, pulls bureau and KYC data automatically, and hands a complete file to underwriting.
- 1 · Applicant details capturedComplete
- 2 · ID, salary slip, bank statement read by AIComplete
- 3 · e-KYC & bureau reportComplete
- 4 · Vehicle & dealer detailsIn progress
- 5 · Sent to underwritingPending
What AI-LOS does
Omnichannel origination
One application record whether it starts in a branch, with an agent, on the web or in your mobile app — customers can switch channels mid-journey.
AI document reading
OCR and AI extract data from IDs, salary slips, bank statements and trade licences, flag mismatches and pre-fill the application.
Automatic data pulls
e-KYC, credit bureau, open-banking and fraud checks run in the background the moment consent is given.
Journeys you configure
Build screens, documents and steps per product and per country, without code. Launch a new loan product in days.
Credit workflows
Maker-checker, delegated authority limits, deviation approvals and SLA tracking keep every file moving and auditable.
Live pipeline view
Dashboards show volumes, drop-offs and turnaround time by branch, channel, product and agent.
Where AI-LOS sits in your stack
- CHANNELSBranch · Agent · Web · Mobile · Partner APIs
- AI-LOSCapture · Read · Verify · Route
- DECIDEAI-Underwriting + AI Rule Engine
- BOOKAI-LMS or your existing core banking
Loan products supported
- Personal loans
- Auto finance
- Home finance & mortgages
- SME & business loans
- Credit cards
- Loans against property
- Gold loans
- Microfinance
- Murabaha · Ijara · Tawarruq
Decisions in minutes
Complete, verified files reach underwriting without manual data entry or chasing documents.
Lower cost per loan
Less re-keying, fewer errors and fewer back-office touches on every application.
Fewer drop-offs
Short, pre-filled journeys in the customer's language keep good applicants from walking away.
Deployment & licensing
- Standalone module or part of the full suite
- Cloud on Microsoft Azure, in your country's region
- Dedicated database for your institution
- Annual licence for banks; subscription for NBFCs
- REST APIs and webhooks for every step
AI-LOS questions
Can we keep our current mobile app?
Yes. Your app calls AI-LOS through APIs, or you embed our ready-made journey screens.
Which documents can the AI read?
National IDs and passports, salary slips, bank statements, trade licences and tax documents; new formats are trained per country.
Does it work with our existing underwriting?
Yes. AI-LOS can hand files to your current decision system or to AI-Underwriting and the AI Rule Engine.