AI credit infrastructure
Assess what legacy systems cannot see.
Conversations, documents and images become a structured, evidence-based credit file.
Inputs
- Conversation
- Documents
- Images
- Alternative data
Evidence validation
- Declared vs. evidence contrast
- Inconsistency detection
- Evidence coverage
Financial intelligence
- Revenue and costs
- Margins
- Payment capacity
- Scenarios
Decision-ready file
- Customer profile
- Risk analysis
- Excel model
- Explained score
Built for credit institutions
The problem
The income is real. The evidence is missing.
days
traditional assessment per case
minutes
with Evident
100%
of indicators traced to evidence
The problem is rarely a lack of income. It is a lack of structured evidence.
Illustrative comparison, subject to implementation scope.
Applicant experience
A guided conversation, not a form.
Evident agent
Online
- Tell me about your business.
- I run a produce store in the neighbourhood, six years now.
- How much did you sell last month?
- Around $2,400,000.
- Do you have a document that supports it?
- bank_statement.pdf
- Got it. Now send a photo of the store.
- store_photo.jpg
WhatsApp · web chat · your own channels
Questions that adapt
The agent follows the answers, not a fixed script.
Evidence in context
Documents, receipts and photos shared inside the chat.
Confirmation before submit
The applicant reviews a summary of everything declared.
Evidence model
Every claim carries a status.
| Data | Declared | Evidence | Status |
|---|---|---|---|
| Sales | $2.4M monthly | Receipts · bank statements | Verified |
| Time in business | 6 years | Municipal licence · tax records | Verified |
| Inventory | Fully stocked store | Store photos | Partial |
| Employees | Three employees | Statement only | Not evaluable |
| Existing debt | No current debt | Authorised external data | Inconsistent |
- Verified45%
- Partial25%
- Not evaluable20%
- Inconsistent10%
Financial intelligence
From informal answers to structured indicators.
Estimated sales
$2.31M /mo
Operating costs
$1.72M /mo
Operating margin
25.5%
Free cash flow
$412K /mo
- Payment capacity$206K/mo
- Capacity under −25% stress$118K/mo
- Recommended instalment$98K/mo
Illustrative figures
Decision package
Everything a committee needs, generated automatically.
Customer profile
PDF · DOCX
Risk analysis
PDF · DOCX
Credit capacity
PDF · DOCX
Financial model
XLSX
Evidence summary
Inconsistency report
Architecture
One platform. Modular by design.
- 01ChannelsWhatsApp · web chat · your own channels
- 02Interview agentDynamic, adaptive credit interviews
- 03Verification engineDocuments, images and consistency checks
- 04Financial engineIncome, capacity, ratios and stress scenarios
- 05Score & rulesConfigurable scoring and institutional policy
- 06Decision packageReports, financial model and evidence file
- 07APIs & integrationsCore banking · LOS · CRM · warehouse
Human in the loop
Automation where possible. Human control where it matters.
Automated decision
Simple cases resolved by institutional rules.
Manual review
Inconsistencies or critical indicators escalate to an analyst.
Credit committee
Complex cases arrive documented and ready to discuss.
- Automated decision55%
- Manual review30%
- Committee15%
Pilot
Start with a measurable pilot.
6–12 weeks, one product, one segment, 200–1,000 cases and metrics agreed upfront.
6–12
Pilot
200–1.000
KPI