Three days for a credit opinion is risk, not prudence.
Credit, fraud and reconciliation with AI inside your core: the full dossier read in minutes, with sources, a complete audit trail and SOC2 for the regulator.
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Opinion in minutes
The full dossier read with sources and risk points, before the committee.
Fraud before the loss
Suspicious patterns flagged before settlement, not after.
Ready for the regulator
SOC2, complete audit trail and data on national territory.
Applications
From risk to relationships, AI at every step
Chat with sources
Markets, balance sheets, and deals explained with cited references.
Credit API
The file goes in through the API and comes out as a structured opinion, in minutes.
HiVision for documents
Scanned contracts, collateral, and receipts read and verified.
Fraud detection
Suspicious patterns flagged before the loss.
Automatic reconciliation
Discrepancies separated overnight, with audit trails.
Regulatory reporting
Drafts ready in the format regulators expect.
Risk
Every deal analyzed like the first
The analyst asks in chat what the risk is on a deal, and the AI reads the entire file: contracts, balance sheets, collateral, history. Back comes a structured analysis with sources and red flags. The committee decides with everything on the table.
- Full file read in minutes
- Risks and critical clauses highlighted
- Analysis with sources, right in chat
Operations
The back office closes itself
Integrated by API with your core and back office, the flow runs overnight: reconciliation, discrepancies, daily reports. The team arrives to find the exceptions separated, and only those.
- API integration with core systems and ERPs
- Reconciliation with flagged exceptions
- Daily reports ready by 7 a.m.
Fronts
Risk, operations, and clients
Risk
Credit and fraud with instant analysis.
Operations
Reconciliation and reports without typing.
Clients
Fast service with compliance built in.
Before and after
What changes on the desk
| Without HiNow | With HiNow | |
|---|---|---|
| Credit | Days to analyze a file | Structured opinion in minutes, via API |
| Fraud | Caught after the loss | Flagged before settlement |
| Documents | Manual typing and checking | HiVision reads, extracts, and verifies instantly |
| Reconciliation | A whole morning of spreadsheets | Exceptions separated by 7 a.m. |
| Desk questions | Summaries arriving late | Answer with sources, in chat |
“Credit analysis time dropped from three days to twenty minutes, with a more complete opinion than before.”
Ready to put AI to work?
Start now in HiNow Chat, integrate with your systems through the API. For enterprise and government operations, our specialist team installs the models on your infrastructure, from sizing to scale.
