Automate document intake, verification, and workflows with governed agents. Less manual work for loan officers, faster decisions for borrowers, and fewer incomplete applications.
Applications stall before they even get to decisioning
Without strict governance and full auditability, AI agents never make it to production.
43% of banking IT leaders cite legacy systems and fragmented data as their primary barrier to success.
2026 OutSystems State of AI Development in Banking Report
More than half of financial institutions lose over 75% of potential loans entering the digital funnel to abandonment.
Cornerstone Advisors, 2026
53% of banking IT leaders embed strict compliance rules directly inside agent workflows to ensure adoption—instead of managing compliance at a platform level.
2026 OutSystems State of AI Development in Banking Report
One application journey, governed at every step
Governed agents handle the work from intake to approval—without replacing your current core or servicing systems.
Step 1: Apply
Guided application capture that reduces front-of-funnel abandonment.
Step 2: Collect
Automated document collection where agents request, receive, and verify files.
Step 3: Screen
Integrated KYC & screening run against your existing services with full logging.
Step 4: Prepare
Complete file preparation with agent actions and audit trails pre-attached.
Step 5: Decide
Human-in-the-loop decisions remain entirely with your officer and origination system.
Ready to explore?
See how OutSystems fits step-by-step into your specific banking stack.
Agents capture, workflows sequence, and fraud and credit checks verify.
Growth
Higher application conversion. Guided capture lowers front-end abandonment, while automated document verification speeds approval throughput without adding headcount.
Cost reduction
Lower cost per file. Automated document collection, verification, and screening drastically reduce manual staff hours and eliminate costly downstream rework.
Improved experience
Frictionless for all. Applicants get clear status updates without redundant requests, while officers receive complete, pre-verified applications to focus purely on decisions.
Production-ready consumer lending architecture
A pre-fabricated agentic solution featuring deployable apps, workflows, governed agents, and integrations built on the OutSystems Agentic Systems Platform.
Deterministic guardrails on every step ensure complete traceability for risk and model governance teams.
Automated agent evaluations validate behavior before release and track model changes over time.
Governance-friendly outputs provide pre-screened files and audit logs without creating new credit models.
Non-disruptive integration works directly on top of your existing core banking and loan origination systems.
Proven outcomes from leading financial institutions
70% fewer underwriting errors. AI agents analyze property reports against credit policy and route exceptions automatically.
50%+ faster onboarding. Achieved account onboarding acceleration with payback in under 15 months.
11-month bank launch. Delivered a compliant digital bank with 20+ integrated applications.
Test your journey against governed AI
Bring your current application flow to a 30-minute walkthrough to see where governed agents eliminate friction.
What does Agentic Loan Applications produce, and what does it not produce?
It produces a longer, more precise rewrite about decision-ready applications, verification, fraud screening. It doesn't produce the decision or a new credit model.
Does OutSystems replace my loan origination system?
No, it doesn’t replace your loan origination system. It works on top of the systems you already run, and the decision stays with your loan officers and your loan origination system.
Do we have to finish core modernization first?
No, you don’t have to finish core modernization first. Agentic loan applications works with your core, but remains decoupled. Santander progressively replaced 70% of its core systems while shipping new apps throughout.
Our loan origination system already has a borrower loan experience. Why change?
Packaged portals are not built to fit your bank's specific products, brand, or segments.
How long does it take to get into production?
You start from a working system instead of a blank project. Install it from Forge, then configure your loan products, your policies, and your connections to the core and the loan origination system. How long that takes depends on how many of those connections already exist. We work with you to scope it against your application flow in a walkthrough. Schedule a demo now!
