Value Stream:
‍Approve

Centric AI automates decisioning, optimises loan pricing, and enforces policy compliance—accelerating approvals while protecting profitability.

Overview

Once risk is assessed, approval speed and accuracy define customer trust. Centric AI empowers lenders to automate decisioning, optimize loan pricing, and enforce policy compliance — accelerating approvals while safeguarding profitability.

Key Statistics

“Digitally mature lenders cut loan-approval times by up to 80% using AI-driven workflows.” (McKinsey & Company, 2023)

“Dynamic pricing can increase revenue per loan by 5–15% while maintaining credit quality.” (Deloitte, 2023)

“Banks leveraging automated decision engines see up to a 40% reduction in manual underwriting cost.” (Accenture, 2024)

Current State / Pain Points
Triggers for Urgency
Future State with AI

Manual Approvals

Underwriters rely on spreadsheets or legacy rules, slowing decisions and increasing bias.

Static Pricing Models

Fixed loan terms ignore real-time risk or market signals.

Policy Inconsistency

Credit and compliance rules vary across branches and teams.

Disconnected Workflows

Risk scoring, pricing, and approval systems operate separately.

Limited Insight on Profitability

Poor visibility into merchant lifecycle health, usage depth, and product adoption.

Customer Frustration

Long turnaround times and inconsistent outcomes.

Margin Pressure

Rates don’t reflect borrower quality or cost of capital.

Audit Findings & Compliance Risk

Regulators demand traceability and fairness.

Slow Cycle Time

Teams duplicate effort and data transfer delays final decision.

Low Portfolio ROI

High-risk or low-margin loans approved without visibility.

Automated Decisioning

Centric AI delivers instant, explainable approvals with transparent logic.

Dynamic Pricing Optimization

Centric AI adjusts rate, tenor, and limits using risk-profit models.

Policy Intelligence Engine

Centric AI enforces uniform decision rules and auto-logs every approval for audit.

Unified Approval Layer

Centric AI connects risk, pricing, and workflow in one seamless decision platform.

Profitability Simulation

Every churn, upsell, and retention outcome refines predictive models, improving accuracy and portfolio returns.

Top AI Workflows (Centric-Powered)​

Lead Scoring​

Predicts conversion likelihood and risk based on behavioral and source data.​

Smart Offer Match

Dynamically assigns best-fit product (e.g., checking vs. loan vs. insurance) based on inferred intent.​

Engagement Risk Detector​

Identifies drop-off patterns to trigger re-engagement or simplified paths.​

Bot + Synthetic Detection

Flags fraud signals using device ID, form fill velocity, and data inconsistencies.​

Channel Source Optimizer​

Identifies which acquisition sources generate the best customers.​

Auto Qualification & Routing​

Filters and routes leads based on eligibility or intent signals.​

Pre-KYC Fraud Flagging​

Flags high-risk leads before triggering costly identity/KYC checks.​

High-Churn Risk Identifier (Early)​

Predicts risk of disengagement in the first 7–14 days to trigger save actions.​

Application Abandonment Predictor​

Predicts which users will drop off mid-application and when to intervene.​

Underserved Applicant Identifier​

Uses alternative signals to qualify thin-file or unbanked customers.​