Origination and service
Serve and originate credit on every channel, with a pre-analysis built on your rules.
In short
How does artificial intelligence help originate credit and serve customers?
Certia connects your service channels (WhatsApp, web, branches and call center) to an origination flow that gathers documents, runs a pre-analysis with your risk rules and hands your analyst a file ready for a decision. Every step is logged and the customer always knows the status of their application.
A credit application usually passes through several hands before it reaches an analyst: someone receives documents by email, another person types them in and a third checks what is missing. Every handoff adds days and errors.
We turn that path into a single flow. The assistant answers common questions, asks for missing documents and validates basic data. The pre-analysis applies the policies your committee already approved and flags what needs human review, so your team spends its time deciding.
Where it applies
Microcredit at rural branches
The officer captures the application on a tablet, the system checks identity and repayment capacity with your rules, and the committee gets the full file.
Consumer credit on digital channels
The customer starts on WhatsApp or the web, uploads documents and receives a preliminary answer that explains the next steps.
After-sales service
Balance inquiries, certificates and request status handled on the customer's preferred channel, with a handoff to a person when needed.
What you get
- Documented origination flow
- Assistant for digital channels
- Pre-analysis rules based on your policy
- Dashboard of times and status per application
Industries where it applies
Questions about this capability
Does the pre-analysis approve loans on its own?
It applies the rules your institution defines. You decide which cases are approved automatically, which go to an analyst and which are declined, and you can change those limits whenever you want.
Does it work with my core banking system?
We integrate through APIs, files or intermediate databases, depending on what your core allows. The assessment defines the safest route.
Which channels can be connected?
WhatsApp, website, mobile app, branches and call center. We start with the channel with the most volume and add the others.
Other capabilities
- Smart collectionsPrioritize your portfolio daily and handle each case with the right tone and timing.View capability
- Identity and fraudVerify every person at onboarding and catch impersonation before disbursement.View capability
- Offensive cybersecurityTest your channels the way an attacker would, and fix what exposes you most first.View capability
- Data and decisionsTurn your data into indicators your committee reads on Monday and uses that day.View capability
- Technology operationsHand sensitive processes to a back office that grows or shrinks with your demand.View capability
Let's talk about what your institution needs to solve.
A first conversation to understand your operation and tell you plainly where we can help, and where we can't.