Approved in
under five minutes.
RiskScout is a customer-facing portal with modular AI risk evaluation. Application to pre-approval in under five minutes — fully automatic, zero human touch in the happy path.
From tap to greenlight.
What actually happens during those 4 minutes and 12 seconds. No human in the loop unless the decisioning engine explicitly asks for one.
Application starts
Customer lands on the portal from a bank referral, LeadHunter call, or direct link. Application form adapts to the requested product.
Identity verified
ID scan, selfie, and liveness check complete. Data is matched against national registries. No human review needed in the happy path.
Financials parsed
Uploaded statements are parsed and normalized. Affordability ratios are computed against the institution's thresholds.
Pre-approval delivered
Risk model runs, decisioning engine fires, and the customer sees a decision on screen. Underwriter is notified only if the case requires review.
What the customer
actually sees.
A clean, bank-branded portal your applicants complete on their own. No paperwork, no phone calls, no branch visits.
Income verification
Upload your last three months of payslips. We'll parse them automatically.
Six modules.
One portal.
RiskScout is composable. License only the modules you need today, turn on the rest when your product lineup grows.
Application intake
Mobile-first application form that adapts to the customer. Document uploads, OCR extraction, and pre-fill from national registries where available.
Identity verification
Automated KYC: ID scan, selfie match, liveness, sanctions screening. Plugs into national e-ID schemes and third-party providers.
Income & affordability
Reads bank statements and pay slips with structured parsing. Computes debt-service ratios against configurable institutional thresholds.
Risk scoring
Modular risk model with explainable outputs. Tune weights per product, per region, per customer segment without touching the code.
Decisioning engine
Rule engine on top of the model score. Auto-approve, auto-decline, escalate to underwriter — each path is a configured flow, not a code change.
Customer portal
Applicants track their file, upload missing documents, and receive updates — all in the same portal, no email back-and-forth.
The customer does everything themselves.
No branch visits. No phone calls. No paperwork hand-offs. RiskScout takes the applicant from first click to signed preapproval — on their own device, on their own time.
Built for regulators, not around them.
Every decision RiskScout makes is logged, versioned, and explainable. When a regulator knocks, you hand them the audit log. Not a phone tree.
Live with ProCredit Bank.
RiskScout powers the SME lending portal at ProCredit Bank Bosnia today. Here's a short tour of the actual product — customer-facing landing, self-service application, and the bank-side backoffice.
Show us your riskiest workflow.
30-minute walkthrough of RiskScout running a real consumer credit application end-to-end. Bring your hardest edge case.