mazdek
Lending • Fintech & Banking

Credit Assessment Bot

AI-powered creditworthiness assessment with automatic document analysis, income verification, and risk scoring in minutes instead of days.

78% faster credit decisions
Credit Scoring Document Analysis Open Banking Risk Assessment

78%

Faster Decisions

92%

Automation Rate

+15%

More Approvals

-40%

Default Rate

About this Solution

How does the Credit Assessment Bot work?

The Credit Assessment Bot transforms lending from a multi-day process into a matter of minutes. It automatically analyzes all submitted documents, verifies income statements, and calculates a precise risk score.

By combining traditional scoring models with alternative data sources such as payment behavior, account movements, and open banking data, the bot enables fairer and more accurate assessments — even for customers without a traditional credit history.

The bot communicates transparently with applicants, automatically requests missing documents, and explains decisions clearly. Upon positive evaluation, the credit agreement can be digitally signed immediately.

Features

What this Agent Can Do

Document Analysis

Automatic extraction and verification of payslips, tax returns, and bank statements.

Alternative Scoring

Use of open banking data, rent payments, and utility bills for comprehensive assessment.

Income Verification

Direct matching with employers and tax authorities for instant income confirmation.

Explainable AI

Transparent decision explanations for customers and compliance with regulatory requirements.

Examples

How it Works in Practice

1

Instant Loan

"Customer applies for CHF 10,000 consumer loan via mobile app and uploads payslips."

Bot analyzes documents, checks open banking data, calculates scoring, and gives binding approval with interest rates in 8 minutes.

2

Mortgage Pre-check

"Couple wants to know if they can afford a property worth CHF 800,000."

Bot collects income data from both partners, checks existing obligations, and calculates maximum affordability — including various interest rate scenarios.

3

SME Business Loan

"Small business owner applies for working capital loan, but has only 2 years of business history."

Bot analyzes business account movements, invoicing patterns, and industry comparison data for fair assessment despite short history.

FAQ

Frequently Asked Questions

How does alternative scoring work?
The bot analyzes beyond traditional data: rent payment history, utility bills, e-commerce purchasing behavior, and open banking transactions. This data enables assessment even for customers without traditional credit history.
Does the bot meet regulatory requirements?
Yes, the bot is fully compliant with FINMA guidelines, the EU Consumer Credit Directive, and GDPR. All decisions are traceably documented and can be explained upon request.
Can the bot also explain rejections?
Yes, with every rejection, the applicant receives a clear explanation of the main reasons and tips on how to improve their chances. This meets regulatory requirements and improves customer satisfaction.
How quickly are credit decisions made?
Standard consumer loans are decided in under 10 minutes. More complex cases like mortgages or business loans take 1-2 hours, compared to several days with manual processing.

Interested in this Solution?

Let us discuss how the Credit Assessment Bot can accelerate your lending processes.

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