AI-Powered Credit Scoring Platform: 3x Growth

A leading retail bank launched an AI-powered credit scoring platform to transform its lending process and improve customer access to financial services.

2025

Key results:

• 3x increase in the number of loans issued per quarter

• 70% reduction in average credit decision time

• 40% decrease in manual processing workload

• Improved customer experience through faster and more personalized loan approvals

The project demonstrated how AI-driven decision-making can help financial institutions scale lending operations, increase business growth, and deliver more accessible financial services.

AI

The project does not use solutions from the Global CIO catalog

High

A leading retail bank launched an AI-powered credit scoring platform to transform its lending process and improve customer access to financial services. The previous scoring model relied on limited customer data and manual verification processes, resulting in long approval times and missed opportunities for potential borrowers.

The new solution introduced advanced machine learning algorithms that analyzed a wider range of customer data, including transaction history, behavioral patterns, and risk indicators. The platform enabled real-time credit assessment, automated decision-making, and personalized lending offers while maintaining compliance with internal risk policies.

Within the first quarter after implementation, the bank increased the number of issued loans by 300%, significantly reducing approval times and improving the overall customer experience. The solution also helped optimize risk management by providing more accurate borrower assessments and reducing operational workload for credit teams.

Armenia, Azerbaidjan