Use Case · Financial Services · Lending

AI for Financial Services
Every Applicant Called Back & Pre-Qualified

AI answers the chat instantly, then calls every loan applicant back — pre-qualifying by income, debt service ratio (DSR), and collateral, scoring each application, and booking credit officers only for those who pass — reducing time-to-decision by a week.

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Daily Pain Points in Financial Services

Thai lenders lose 50%+ of applications to slow follow-up and missing documents. Operations must comply with Bank of Thailand standards and PDPA, with full audit trails.

Pain

Hundreds of Apps, 5 Officers

Daily loan applications pile up. Five credit officers cannot pre-qualify fast enough. Applicants apply elsewhere.

Pain

Document Collection Drags

Five required documents. Customers send some, forget others, and the application sits for 14 days until the lead is dead.

Pain

Compliance and Audit Gaps

BOT, SEC, and PDPA require timestamped logs. Manual processes leave gaps that fail audits.

AI loan pre-qualification flow with BOT and PDPA compliance
Workflow: AI pre-qualifies loan applicants per your eligibility policy with full audit trails for BOT, SEC, and PDPA compliance.

How caiku.ai Solves It

caiku.ai answers the chat, calls the applicant back to pre-qualify, sends document checklists with reminders, and logs every conversation for full BOT and PDPA audit readiness.

Solution

Automated Pre-Qualification

AI asks income, existing debt, employment type, and credit needs. Initial scoring sends only qualified leads to credit officers.

Solution

Document Checklist + Reminders

AI sends the required-documents checklist via LINE and reminds every 2 days until complete. Submission rate doubles.

Solution

Full Audit Trail

Every conversation timestamped with full transcript and consent log. Export-ready for BOT, SEC, or PDPC audits.

caiku.ai's pre-qualification lets our 6 credit officers focus only on applications that pass eligibility. Document submission jumped from 45% to 68%, time-to-decision down 6 days on average, and audit logs are now complete for every conversation.
SW
Suphannee Warapat Head of Sales, FinPro Microfinance

How It Works — 3 Steps

Live within 24 hours. No coding. No dev team needed.

1

Connect Loan Origination System

Plug in your LOS, core banking, or CRM. Receive new applications from forms, LINE, Facebook.

2

AI Pre-Qualifies Per Policy

AI follows your eligibility script: income, existing debt, employment tenure, collateral. Initial scoring filters automatically.

3

Book Credit Officer + Collect Docs

Qualified leads land on a credit officer's calendar with document checklist sent and reminders automated.

Sample Conversation

A real conversation between AI and a Financial Services customer. Persona, tone, and script can be customized to your brand.

AI
Hi Mr. Somsak, you submitted an auto loan application on our website. Do you have a moment?
Customer
Yes, I do.
AI
Thank you. Let me check your basic eligibility — what is your monthly income, and any existing loan obligations?
Customer
I earn 45,000 baht and pay 10,000 monthly on a home loan.
AI
Understood. Your DSR is within our approval range. I will book Credit Officer Chart to call you tomorrow at 10 AM. Please prepare 3 months of payslips, ID copy, and the collateral vehicle registration. I will send the checklist via LINE.
Customer
Sounds good, thank you.

What the system is designed to achieve

Design targets for this industry — actual results depend on your data, sales team and process.

+50%
Document submission rate from automated reminders
-7days
Average time-to-decision reduction
100%
Audit-ready conversation logs across all leads

* Design targets from how the system is built — not measured customer results · System operates within Bank of Thailand compliance standards · Want real numbers from a business like yours? Join the pilot program — book a demo

Get Started

Pick the feature that fits your Financial Services business, or see pricing.

Feature

AI Voice Calling

AI calls customers in natural Thai, qualifying intent and booking appointments
Feature

LINE OA AI

AI handles LINE Official Account 24/7 with rich messages and lead capture
Pricing

See All Plans

Starting from ฿15,000/month — no per-minute charges, 7-day free trial

FAQ — Financial Services

Common questions from real Financial Services customers.

Pre-qualify faster. Decisions in days, not weeks.

Start your 7-day free trial. Watch document submission rates and audit completeness climb.

Book a Demo → Start Free Trial