ColendiBank is Türkiye's first AI-native digital deposit bank, serving customers through embedded finance partners and its own channels. Credit is the heart of the business — and the place where speed, accuracy, and compliance collide hardest.
The challenge
Every credit application passed through a chain of manual checks: identity verification, income assessment, risk scoring, and a final compliance review. Each step lived in a different system, and each handoff added hours. At embedded-finance scale, thousands of applications per day meant the queue never emptied.
Building it
Colendi AI deployed a decisioning agent on top of ColendiMind's scoring modules. The agent gathers applicant data across systems, runs personalized credit scoring, drafts the compliance file, and routes only borderline cases to human underwriters — with the full reasoning trail attached to every decision.
What changed
- Decision time cut from hours to under two minutes for the majority of applications
- Every automated decision fully documented — model inputs, score, and policy checks in one auditable record
- Underwriters now focus on the hardest 15% of cases instead of routine reviews
“The goal was never to remove people from lending decisions. It was to make sure people only look at the decisions that actually need them.”
Credit Operations, ColendiBank