Microcredit Automation

Automate document management for microcredit applications

Intake, extraction, and validation of credit documents with AI — so your team spends less time on paperwork and more time on high-value decisions.

Less operational time

Reduce hours of manual review with AI-assisted extraction and validation.

Fewer errors, more control

Automated validations that detect inconsistencies before they reach the analyst.

Full traceability

Every extracted data point is linked to its source document, ready for audit.

How it works

Four steps. No technical jargon.

01

Flexible intake

Receive documents through any channel: web portal, email, WhatsApp, photos, or PDF.

02

Smart extraction

AI identifies, classifies, and extracts key data from each document automatically.

03

Assisted validation

Cross-references data between documents, detects missing items, and alerts on inconsistencies.

04

Review & decision

The analyst receives a structured and complete file, ready to evaluate.

Use cases in microcredits

Each document in the credit file has a specialized workflow with concrete deliverables.

Identity verification

Automatic extraction and validation of ID card (front and back), with data cross-referencing and inconsistency detection.

Deliverables

  • Structured document data (name, ID, date of birth)
  • Cross-validations and inconsistency alerts
  • Processed image linked to the file

Address verification

Processing of utility bills (electricity, water, gas) to verify address and match with data declared by the applicant.

Deliverables

  • Extracted and normalized address
  • Match result with form data
  • Alert if the document is expired or doesn't match

Income analysis

Intake of pay stubs, bank statements, and receipts to estimate payment capacity and consistency of declared income.

Deliverables

  • Income summary with averages and variations
  • Comparison with declared income on the application
  • Risk indicators for the analyst

Complete digital file

Automatic consolidation of all applicant documents into a structured digital file, ready for review.

Deliverables

  • File completeness checklist
  • Documents classified and ordered by type
  • Executive summary for the credit committee

Economic activity validation

Processing of economic activity documents, tax ID, sworn declarations, and business photos to validate the income source.

Deliverables

  • Tax ID and economic activity data extracted
  • Cross-validation with supporting documents
  • Alerts if information is inconsistent or incomplete

Business visual verification

Analysis of business photos captured in the field to document the existence and conditions of the applicant's establishment.

Deliverables

  • Image metadata (date, location if available)
  • Establishment type classification
  • Record linked to file with traceability

Internal forms and applications

Data extraction from institutional credit application forms, whether scanned, photographed, or PDF.

Deliverables

  • Extracted and structured form fields
  • Mandatory field completion validation
  • Data ready for core banking integration

Compliance and audit control

Automatic generation of audit records for each processed document, with full traceability and role-based access.

Deliverables

  • Audit log per document and per file
  • Analyst review and approval records
  • Compliance reports ready for supervision

Expected results

Typical metrics observed in implementations with microfinance institutions.

50–70%

Typical reduction in file assembly time

3–5x

Faster document verification stage

↓ 80%

Reduction in data capture errors and missing data

100%

Traceability of each extracted data point to its source document

Results may vary depending on operations volume, quality of received documents, and institutional configuration.

Designed for regulated environments

Complete audit

Log of every action: intake, extraction, validation, and review. Everything is recorded.

Always human review

The analyst reviews and approves. AI assists, it doesn't replace credit decisions.

Exception handling

Incomplete documents or those with alerts are automatically escalated for manual attention.

Role-based access

Each user sees only what corresponds to them. Permissions configurable by profile and branch.

Linked evidence

Each extracted data point can be traced back to the original document with one click.

Operations reports

Metrics on times, volumes, and exception rates for supervision and continuous improvement.

Flexible integrations

Connect with your existing systems: web portal, REST API, email, WhatsApp, shared folders, S3, or SharePoint. We adapt to your infrastructure.

Ready to transform your microcreditoperation?

Book a 20-minute demo and see how LlamitAI processes your credit workflow documents — with your own files.

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