Credit and onboarding operations
Digital account opening, limit increases and loan documents under one decision logic, without a branch visit.
Credit and onboarding operations is an Aginies solution package for the Banking sector in the “financial analysis & operational intelligence” area. What the agents do: Identity, liveness, sanctions and address verification in one flow; clean applications open within minutes; income, score and policy rules define the auto-approval band; out-of-band applications go to an analyst. Expected outcomes: accounts opened without a branch visit and credit decisions within minutes; A clear reduction in document review effort; audit-ready, reasoned and consistent decisions. The package uses the Identity & KYC tools, Policy engine, Document extraction (Vision), Human-in-the-loop capabilities of the Aginies platform and can be watched live through the Digital account opening (KYC), Credit card limit increase, Mortgage document review, Credit card debt payment scenarios in the agent library.
Account opening and loan applications are handled by different teams with different tools and rules. Document review takes days; the customer repeats the same information and the decision reasoning is scattered.
- 01Identity, liveness, sanctions and address verification in one flow; clean applications open within minutes.
- 02Income, score and policy rules define the auto-approval band; out-of-band applications go to an analyst.
- 03Payslips, title deeds and appraisals are read, fields cross-checked, missing items requested from the customer.
- 04Branch, mobile and call centre use the same decision engine; every decision is stored with its reasoning.
- Digital onboarding: identity, liveness, sanctions and address verification in one flow
- Limit increase, loan application and mortgage document review
- Income and score retrieval; policy engine; auto-approval band
- The same decision logic in branch, mobile and call-centre channels
- API access to core banking, credit bureau and identity services
- Credit policy and approval matrix
- Sample set per document type (payslip, title deed, appraisal)
Derived from the linked scenarios: the supervisors, specialist agents, models and systems that run this package.
Summed from the simulation definitions of the linked scenarios; recalculated for your scale in the discovery session.
- Accounts opened without a branch visit and credit decisions within minutes
- A clear reduction in document review effort
- Audit-ready, reasoned and consistent decisions
| Accounts opened without a branch visit | 70–85% |
| Credit decision time (auto band) | Minutes |
| Document review effort | 60% lower |
Target ranges from comparable deployments; baseline and target are fixed together in the first week of the pilot.
Scenario-level approval rules plus the package’s general controls.
- Digital account opening (KYC)Sanctions/PEP fuzzy match score > 0.65 → compliance analyst approval
- Credit card limit increaseLimit > 100,000 → branch manager approval
- Mortgage document reviewLoan > 3,000,000 or DTI > 45% → underwriting officer approval
- Credit card debt paymentAmount > 100,000 → branch manager approval
- packageOut-of-band applications, high amounts and suspicious documents always with a credit analyst
- packageDecision reasoning and data used stored per application; aligned with banking regulation
- 1 · Documents and rule set · 2 weeksDocument types, field dictionary, matching and tolerance rules written with the finance team; a sample set labelled.
- 2 · Parallel run · 4 weeksAgent and current process handle the same documents; the difference report reviewed weekly, cut-over when the accuracy threshold is met.
- 3 · Close integrationTied to the month-end calendar; exception queue, audit trail and reconciliation reports opened to internal audit.
This package’s scenarios in the agent library
Digital account opening (KYC)
ID, liveness and sanctions checks in one flow; clean applications open an account in minutes, no branch visit.
Credit card limit increase
The customer types in the app or talks to the call centre; the decision takes seconds, and anything above threshold goes to a manager.
Mortgage document review
Payslips, social security records and appraisal read automatically; income, LTV and missing documents checked.
Credit card debt payment
The customer types or talks; debt is fetched, an account chosen, OTP verified and the payment made in the core.
Time to move from experimenting with AI to transforming with it.
In a 30-minute discovery session we take your 2–3 priority business problems, show a live demo of a similar scenario, and draft a roadmap that starts with the Value layer.
- Your 2–3 priority problems
- Live demo of a similar scenario
- Roadmap starting with value analysis