Xcope agentMortgage applications
Each application with the figures taken from its documents and anything outside the risk policy flagged.
Put AI to workin banking.
Credit documents read and checked before they reach the analyst, with alerts and arrears handled in order of risk.
The challenge
Your credit analysts start the day copying figures off payslips.
The application comes in at a branch or through online banking, the documents arrive as PDFs and the analysis depends on the core banking system, the central credit register report and the property valuation. AML alerts live in another application and missed payments in yet another, and each team checks by hand whatever it needs.
- 01
Documents checked by hand
Payslips, tax returns, bank statements and the credit register report arrive as PDFs. Someone copies the figures into the loan origination system, and only then can the analysis start.
- 02
AML alerts in order of arrival
Most alerts end up closed as false positives, and they all wait in the same queue. The ones that matter get looked at when their turn comes.
- 03
Arrears tracked in spreadsheets
Missed payments show up in the core system, while the deadlines of the bank's arrears process are tracked separately. A letter sent late causes one problem with the customer and another with the supervisor.
Day to day
Questions that finally get answers
At which stage of a mortgage application do we lose the most days?
Which customers have KYC documents due for renewal this quarter?
Which loans went into default this month?
Which complaints are close to their response deadline?
Which AML alerts have been waiting for review for more than a week?
AI at work
Analysts receive each application ready for a decision.
AI reads customer documents and checks them against the core banking system, loan origination and transaction monitoring. It prepares each application and ranks alerts by risk, and the decisions stay with the people who sign them off.
Money laundering alerts
This week's alerts ranked by which ones warrant review, with the transactions behind each one.
Missed payments
Retail loans by how long they have been in arrears, with those due to enter the early arrears procedure flagged in time.
KYC refresh
ID documents and proofs of address read and checked. The customer record only changes once Compliance approves.
Illustrative figures.
The data you already have, put to work
We connect to the systems you already have, without replacing them, and you decide which data each agent can read.
Works with what you already use
ERP, CRM, email and documents stay where they are, and nobody has to move to a new system.
Reads and cross‑checks your data
Brings together what is scattered today and finds what does not add up.
Proposes, you approve
Every sensitive action goes to whoever has the authority to approve it.
Acts and keeps a record
Works inside your team's systems and records where every decision came from.
One lending process at a time.
We start with mortgages, where each application carries the most documents, with access set by your information security team. AML alerts and arrears come next, over the same connections.
- 01
Assessment
We map the operation and the data and choose what reaches production first.
- Data sources mapped
- Opportunities assessed
- Scope and plan agreed
- 02
First system in production
We build in the tools you already use and put the system to work on real cases.
- Origination and core banking connected
- Mortgage agent in production
- 03
A team that runs it
Your team takes the system over and we choose the next process together.
- Credit analysts using the agent
- Next process chosen
How do banking secrecy and DORA fit in?
Customer data is covered by banking secrecy and stays on your infrastructure, with role‑based access and every query logged. As an ICT service provider, we fall within the third‑party risk management that DORA requires of the bank, and we provide the documentation your team needs to assess us.
Does it work with our core banking system?
It rarely needs to touch the core. The usual route is to read from a database replica, receive scheduled exports and use the loan origination system's API where there is one. Whatever the agent prepares goes back to the analyst's queue, in the system they already work in.
Is debt‑to‑income calculated with our rules?
Yes. The agent applies the bank's risk policy, with your debt‑to‑income limits and interest rate stress tests, and shows the calculation for each application. The decision to lend stays with the analyst and the approval levels you have set.
Can the agent close AML alerts?
It can propose closing them, and the analyst confirms. Each alert arrives with the transactions and customer data behind the proposal, and the decision to close it or report the activity as suspicious stays with the compliance function.
How many days does a mortgage decision take you today?
Bring that number to a 30-minute call and we will look at where the days go.
Book a callNot ready for a call yet. I would rather send a question.
Write down the question your operation cannot answer today. We will reply by email with how to get there.
Question received. We will reply by email.
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