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)
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.
