Automated segmentation of personal and commercial borrowers (e.g., per monthly income, location, and age for personal loans; per loan type, industry for commercial loans, etc.).

Estimating borrower creditworthiness through assessment models based on internal policies and credit rating scores provided by credit rating bureaus.

Borrower’s debt-to-income ratio calculation.

Recommendations on loan approval or decline.

Calculating the share of overdue debt in a customer portfolio.

Consolidated and distributed credit rating calculation for multi-entity borrowers.

AI-powered detection of connections between loan applicants and current loan recipients.

AI-powered recommendations on risk-proof loan terms (e.g., assigning personalized credit limits based on each borrower’s risk level).