INIT

Individuelle Softwareentwicklung und Beratung

With Kredit.KI to the digital credit process

With Kredit.KI, we offer a bundle of services that target your credit process to take automation and efficiency to the next level. Harness the power of Artificial Intelligence, Big Data and RPA to help you delight your customers and achieve your efficiency goals..

We advise you and go together with you the way from the first idea to the implementation. The sustainability of our projects with you is of great concern to us!

Our Approach
Your added value
Your environment and topics in keywords: Cloud Computing, Artificial Intelligence, Hyperautomation, Data Analytics, Big Data, Machine Learning, ESG (Taxonomy Regulation), MaRisk, RPA, Ethics Assessment, Digital Loan Application, Process Digitization, Agility, Money Laundering Prevention, FinTechs, CRR, Fraud Prevention, Creditfactory, KWG, BAIT, Renewal Legacy Systems, Platforms, Block Chain, DSGVO, EBA RL on Lending, Open Banking API, European Commission AI Regulation, European Signature Regulation eiDAS, PSD2, Process Mining, DevOps, BaFin Principles Paper BDAI,

We know your environment
& the trends…


Together we assess the maturity of your existing
credit process and identify the leverage points for automation and efficiencies.

Our goal is the greatest possible added value for you!!

Our Approach

Your needs are the focus.
Based on a systematic and modular approach, we provide a framework,
to identify the use cases, that will ultimately bring you maximum added value.

Create common understanding

We get to know each other and agree on expectations and framework conditions. Where should the focus be from your point of view? How do we want to take the next steps together? Who do we need?

Process check

We look at your credit process and evaluate individual process sections according to the degree of automation and leverage on the efficiency of the entire process. In the subsequent presentation of results, we determine the areas of specialization.

Advanced workshops

In the in-depth workshops, we identify and define concrete use cases. The goal here is to create a solid basis for prioritization and further decisions on implementation.

Umsetzung definierter Use Cases

and offer the following services for the implementation of use cases
and offer the following services for the implementation of use cases

  • Carrying out statistical simulations
  • AI model development
  • Integration of AI in the credit process
  • Use of RPA solutions
  • Integration of new information
  • Building data management solutions
  • Design, implementation and testing
  • Requirements analysis and selection

Where specifically could AI be used in your company?

Based on a recognized process model, our banking specialists and mathematicians work with you to develop AI models that can be used in the following areas, for example:

By using AI in the development of scoring/rating procedures, an increase in discriminatory power is possible. Significant gains are expected in particular in the classification in the corporate customer segment. As a result, the error for misclassification becomes smaller and the process enables higher automation rates.

Here, we specifically focus on modeling the previous decision behavior of credit analysts. The existing risk classification remains unaffected and we take up the credit decisions that could not be decided by the previous procedure. So in this approach, we extend your existing decision logic.

Identifying suspected fraud using AI. Recognition of complex patterns becomes possible through the use of AI Every case of fraud counts!

Collecting data from financial statement records is a tedious business. Why not scan the records and use AI based text recognition to evaluate the records and transfer them into the system.

Where is it worthwhile to intensify customer contact in the event of payment arrears? Which strategy is the right one? By using AI, you will be able to recognize the differences and make the right decision.

Why obtain a paper self-disclosure when you already have all the information in house. AI-powered analysis of account data could provide all the essential information needed to create a digital budget statement.

Identify the right signals in your customers’ payment behavior in a timely manner to detect impending payment defaults in your portfolio earlier.

Our added value for you

Dare to exchange, because it will be worth it for you. An investment in the right place will reduce process costs!

The next step

Maik Gerken, Credit Risk Management Expert at INIT
“Be fascinated by the possibilities for higher automation in your credit process. We look forward to the next steps together with you!”