This post demonstrates how Agentic AI and SAS Viya can modernize SME loan origination by combining OCR, LLMs, governed decisioning, and interactive dashboards to accelerate transparent, explainable, and scalable credit decisions.
Credit processes in banking are at a turning point. Volatile markets, new competitors, increasing regulatory requirements and an exponentially growing database are putting unprecedented pressure on traditional, largely manual and siloed processes. At the same time, customers expect fast and consistent decisions, while regulators demand transparency, traceability, and control. In
Financial institutions are entering a new phase in credit risk modeling. AI and machine learning are no longer experimental capabilities. They are becoming central to how risk is assessed, priced and managed at scale. At the same time, regulatory expectations are evolving. The European Central Bank (ECB) has opened the
