AINA

AI-powered business lending

Customer Action
Employee View
AI Agent
System Process
Human Action
Machine Action
Customer Front-End
Mobile Conversational Interface
1
CM01 Welcome & Intent Capture
Customer opens app and types their lending need in natural language
  • Opens mobile app
  • Types: "I need £50k to expand my coffee shop"
  • AI extracts intent and purpose
⏱ 30 seconds
Human: Type Intent Machine: Extract & Classify
Legacy Process
Customer fills paper form or lengthy online application → Banker manually reviews → Enters data into system → Validates intent
Saves 10-15 minutes
View Screen Under the Hood
↓
2
CM02 Financial Data Review
Pre-aggregated financial data displayed for validation and categorization
  • Reviews 12-month financial summary
  • Views revenue, expenses, cash flow
  • Re-categorizes transactions if needed
  • Confirms accuracy
⏱ 2 minutes
Human: Review & Confirm Machine: Aggregate & Categorize Data
Legacy Process
Customer manually gathers 12 months bank statements → Downloads accounting reports → Emails to banker → Banker manually inputs into spreadsheet → Creates summary
Saves 2-3 hours
📱 View Screen 🔧 Under the Hood
↓
3
CM03 Account Connection & Consent
Customer grants consent and connects banking/accounting data sources
  • Reviews consent requirements
  • Connects business bank account (TrueLayer)
  • Connects accounting system (Xero)
  • Authorizes data access
⏱ 1 minute
👤 Human: Grant Consent 🤖 Machine: OAuth Connection & Sync
⚠️ Legacy Process
Customer signs paper consent forms → Provides bank login credentials → Banker manually downloads statements → Requests accounting system access → Manually exports data
✓ Saves 30-45 minutes + Security Risk
📱 View Screen 🔧 Under the Hood
↓
4
CM04 Identity Verification
Customer uploads identity documents for KYC verification
  • Takes photo of passport/driver's license
  • Captures selfie for liveness check
  • System validates documents
⏱ 1 minute
👤 Human: Take Photos 🤖 Machine: Verify ID & AML Check
⚠️ Legacy Process
Customer visits branch with physical ID → Banker photocopies documents → Manually verifies authenticity → Manually checks AML databases → Files paper copies → Takes 2-3 days
✓ Saves 2-3 days + Branch Visit
📱 View Screen 🔧 Under the Hood
↓
5
CM05 Eligibility Assessment
AI displays credit decision and maximum loan amount
  • Views credit decision (Approved)
  • Sees maximum eligible amount
  • Reviews decision factors
  • Proceeds to loan configuration
⏱ 30 seconds
👤 Human: Review Decision 🤖 Machine: Credit Analysis & Risk Score
⚠️ Legacy Process
Credit analyst manually reviews financials → Calculates ratios in Excel → Pulls credit reports → Reviews with credit committee → Decision takes 3-5 business days
✓ Saves 3-5 days + Human Error Risk
📱 View Screen 🔧 Under the Hood
↓
6
CM06 Scenario Explorer
Customer explores different loan amounts and terms with interactive sliders
  • Adjusts loan amount slider
  • Changes loan term (12-60 months)
  • Views real-time payment calculations
  • Compares 3 scenarios side-by-side
⏱ 2 minutes
👤 Human: Adjust Sliders 🤖 Machine: Real-time Calculations
⚠️ Legacy Process
Customer requests quote → Banker manually calculates in Excel → Emails quote → Customer requests changes → Banker recalculates → Multiple back-and-forth emails
✓ Saves 1-2 days of email exchanges
📱 View Screen 🔧 Under the Hood
↓
7
CM07 Final Offer Configuration
Customer finalizes loan structure and reviews detailed terms
  • Confirms final loan amount
  • Selects repayment term
  • Reviews interest rate and APR
  • Views complete repayment schedule
⏱ 1 minute
👤 Human: Confirm Selection 🤖 Machine: Generate Loan Terms & Pricing
⚠️ Legacy Process
Banker prepares formal loan offer letter → Manager reviews and approves → Legal reviews terms → Customer receives offer via post → Signs and returns → Takes 3-5 days
✓ Saves 3-5 days + Eliminates Paper
📱 View Screen 🔧 Under the Hood
↓
8
CM08 Supporting Documents
Customer uploads any additional required documentation
  • Reviews document checklist
  • Uploads business plan (optional)
  • Uploads bank statements (if needed)
  • AI validates document completeness
⏱ 1 minute
👤 Human: Upload Files 🤖 Machine: OCR, Classify & Validate
⚠️ Legacy Process
Customer prints/scans documents → Emails/posts to bank → Banker manually reviews → Requests missing documents → Files in physical folders → Multiple follow-ups
✓ Saves 2-3 days + Reduces errors
📱 View Screen 🔧 Under the Hood
↓
9
CM09 Electronic Signature
Customer reviews and signs loan agreement electronically
  • Reviews complete loan agreement
  • Reads terms and conditions
  • Signs electronically (DocuSign)
  • Submits application
⏱ 1 minute
👤 Human: Review & Sign 🤖 Machine: Generate Agreement & Capture Signature
⚠️ Legacy Process
Bank prints loan agreement → Posts to customer → Customer signs and returns via post → Bank files original → Notarization may be required → Takes 5-7 days
✓ Saves 5-7 days + Postal costs
📱 View Screen 🔧 Under the Hood
↓
10
CM10 Booking Confirmation
Customer receives confirmation and next steps
  • Views application confirmation
  • Receives reference number
  • Reviews disbursement timeline
  • Gets contact information for support
⏱ 30 seconds
👤 Human: Review Confirmation 🤖 Machine: Book Application & Send Notifications
⚠️ Legacy Process
Banker manually creates case in system → Assigns to operations team → Sends confirmation letter → Schedules follow-up calls → Manual CRM updates → Takes 1-2 days
✓ Saves 1-2 days + Instant confirmation
📱 View Screen 🔧 Under the Hood
Employee Back-End
System Operations & AI Processing
AI
AI Intent Analyzer
NLP model extracts structured intent from customer's natural language input
  • Parses customer message
  • Extracts: amount, purpose, urgency
  • Classifies loan type
  • Returns confidence score
⚡ 200ms processing
🤖 100% Machine: NLP Analysis
⚠️ Legacy Process
Banker reads customer request → Manually interprets needs → Types into form fields → Categorizes loan type manually → Prone to misinterpretation
✓ 100% Automated + Consistent Classification
🔧 Intent Analysis Architecture
↓
AI
AI Data Aggregator
Pulls and normalizes financial data from multiple sources
  • Queries TrueLayer API (banking)
  • Queries Xero API (accounting)
  • Queries Companies House
  • Normalizes and categorizes data
  • Generates 12-month summary
⚡ 2-3 seconds
🤖 100% Machine: Multi-Source Data Pull
⚠️ Legacy Process
Analyst requests statements → Manually downloads from 3+ sources → Copies into Excel → Reconciles discrepancies → Creates summary tables → Takes 2-4 hours
✓ 100% Automated + Real-time Data
🔧 Data Aggregation Architecture
↓
SYS
SYS OAuth Authentication Flow
Secure account connection via open banking standards
  • Initiates TrueLayer OAuth
  • Redirects to bank authorization
  • Receives access token
  • Stores encrypted credentials
  • Begins data synchronization
⚡ 30-60 seconds
🤖 100% Machine: Secure OAuth Flow
⚠️ Legacy Process
IT team provisions access → Customer shares passwords (security risk) → Banker logs in manually → Downloads files → No audit trail → Credentials stored insecurely
✓ Eliminates Security Risks + Full Audit Trail
🔧 OAuth Flow Architecture
↓
AI
AI KYC Verification Engine (Onfido)
Automated identity verification and AML screening
  • Validates document authenticity
  • Performs liveness detection
  • Matches face to ID photo
  • Runs AML/sanctions checks
  • Returns pass/fail result
⚡ 10-15 seconds
🤖 100% Machine: AI-Powered KYC
⚠️ Legacy Process
Compliance officer manually inspects ID → Checks security features under UV light → Searches AML databases → Cross-references watchlists → Documents review → Takes 2-3 days
✓ Instant Verification + 99.9% Accuracy
🔧 KYC Architecture
↓
AI
AI Credit Assessment Engine
ML model evaluates creditworthiness and determines eligibility
  • Analyzes 12-month cash flow
  • Calculates debt service coverage
  • Queries credit bureaus (Experian)
  • Applies credit policy rules
  • Generates risk score (AAA-D)
⚡ 3-5 seconds
🤖 100% Machine: ML Credit Decisioning
⚠️ Legacy Process
Credit analyst manually calculates 15+ financial ratios → Writes memo → Manager reviews → Credit committee meeting → Decision memo drafted → Takes 3-5 days + costs £500-1000 in analyst time
✓ Instant Decision + Consistent Policy Application
🔧 Credit Assessment Architecture
B01 Application in RM Dashboard
Relationship Manager sees new application with AI-generated summary
📊 View Dashboard 🔧 Dashboard Architecture
↓
SYS
SYS Loan Calculator Engine
Real-time calculation of payments, interest, and scenarios
  • Calculates monthly payments (PMT formula)
  • Computes APR and total interest
  • Generates amortization schedules
  • Updates in real-time with slider changes
⚡ Real-time (< 100ms)
🤖 100% Machine: Real-time Calculations
⚠️ Legacy Process
Banker uses Excel calculator → Manually inputs each scenario → Prints comparison table → Emails to customer → Customer requests changes → Cycle repeats → Takes 1-2 days per iteration
✓ Instant Comparison + Self-Service
🔧 Calculator Architecture
↓
AI
AI Dynamic Pricing Engine
AI-powered pricing based on risk profile and market conditions
  • Retrieves risk score
  • Applies pricing matrix
  • Adjusts for loan term and amount
  • Generates personalized rate
⚡ 500ms
🤖 100% Machine: AI Pricing Model
⚠️ Legacy Process
Pricing team reviews risk grade → Manually applies pricing matrix → Manager approves margin → Pricing memo created → Legal reviews terms → Takes 1-2 days + prone to pricing errors
✓ Instant Pricing + Optimized Margins
🔧 Pricing Architecture
B02 RM Reviews Customer Profile
Full 360° customer view with financial details
📊 View Profile 🔧 Profile Architecture
↓
SYS
SYS Document Management System
Secure storage, OCR processing, and document classification
  • Uploads to encrypted storage (S3)
  • Performs OCR text extraction
  • Classifies document type (AI)
  • Validates completeness
  • Generates audit trail
⚡ 2-5 seconds per doc
🤖 100% Machine: OCR + AI Classification
⚠️ Legacy Process
Operations team manually sorts documents → Creates document checklist → Files in folders → Manually extracts key data → Checks for missing items → Takes 1-2 hours per application
✓ Instant Processing + 100% Completeness Check
🔧 Document Architecture
↓
SYS
SYS E-Signature Service (DocuSign)
Legal electronic signature with audit trail
  • Generates loan agreement PDF
  • Creates DocuSign envelope
  • Captures signature with timestamp
  • Stores signed document
  • Triggers approval workflow
⚡ 2-3 seconds
🤖 100% Machine: Agreement Generation
⚠️ Legacy Process
Legal team creates agreement from template → Manually inserts terms → Prints and posts → Customer signs → Returns via post → Bank scans and files → Takes 5-7 days + £15-20 postal costs
✓ Instant + Legally Binding Digital Signature
🔧 E-Signature Architecture
B03 Credit Assessment View
Detailed credit analysis and decision rationale
📊 View Assessment 🔧 Assessment Architecture
↓
SYS
SYS Booking & Notification System
Application booking and multi-channel notifications
  • Creates application record (DB)
  • Generates reference number
  • Sends confirmation email
  • Sends SMS notification
  • Updates CRM system
  • Triggers approval workflow
⚡ 1-2 seconds
🤖 100% Machine: Booking + Notifications
⚠️ Legacy Process
Operations creates case manually → Updates multiple systems → Sends email confirmation → Schedules follow-up → Updates CRM → Notifies relationship manager → Takes 2-4 hours + data entry errors
✓ Instant + Zero Data Entry Errors
🔧 Notification Architecture
B04 Approval Workflow Initiated
Multi-stage approval process begins
📊 View Workflow 🔧 Workflow Architecture

Autonomous Lending Impact

8-10 min
AINA Journey Time
vs. 14-21 days legacy
95%
Automation Rate
Only 5% requires human input
£1,500
Cost Savings per App
Reduced processing costs
Zero
Branch Visits
100% digital journey
Key Achievement
AINA transforms a traditionally manual 2-3 week process requiring 10-15 hours of human effort into an 8-10 minute autonomous journey where customers complete 95% of tasks independently with AI-powered assistance.