Value Stream:
‍Discover

Centric AI enables lenders to target high-fit applicants, detect risks instantly, and improve acquisition performance without heavy infrastructure.

Overview

Lending firms lose deals when they can’t quickly find the right borrowers, fight fraud, or optimise channels. Centric AI helps lenders target high-fit applicants, detect risk instantly and optimise acquisition without heavy infrastructure.

Key Statistics

“Up to 68% of online credit applications are abandoned before completion” (Signicat/Fintech Times, 2022)

The global average default rate for private-lending portfolios is 3.6% (European Investment Bank, 2024).

“Digital marketing and analytics are critical — lenders must use them to scale customer acquisition while containing costs.” (McKinsey & Company, “How consumer finance companies can thrive”, 2024)

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

Rising Cost per Borrower

Marketing, qualification and funding costs are high given low funnel conversion.

High Application Abandonment

Applicants drop off before submission, losing potential revenue and wasting acquisition cost.

Fraudulent or Low-Quality Leads

Many leads are fake, weak or risky, causing wasted underwriting effort and higher risk.

Disconnected Channels & Data

Campaigns, channels and qualification tools don’t share data—leading to inefficiencies.

Static Lead Segmentation

Generic segments applied to all leads, missing nuance in borrower fit or risk context.

Marketing budgets under pressure; low ROI on lead campaigns.

60-70% abandonment rate on digital loan forms.

Fraud risk increases; risk teams flagged poor lead quality.

Channel ROI unclear; duplicate effort across teams.

Poor match of offers to borrowers; low conversion and higher risk.

Centric AI predicts best prospects, focuses spend where conversion likelihood is highest.

Centric AI identifies friction points in real time and simplifies the process for high-fit users.

Centric AI screens leads at touch-point, filters out fake or weak profiles before qualification begins.

Centric AI unifies channels, scoring, and data to give a single view of applicant behaviour and campaign effectiveness.

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.​