myBiros for lending

average extraction accuracy

reduction of Time to Yes

underwriting team productivity

The Challenges of Digital Lending

Document management remains one of the main bottlenecks in credit processes, causing operational inefficiencies, higher costs, and a negative customer experience.

Processing times

Approvals that can take up to 10 days, with delays that negatively impact the customer experience.

Manual input

73% of the data is entered manually by customers during onboarding, creating bottlenecks.

Input errors

Manual data entry generates up to 20 times more errors than automated systems.

Unstructured data

Most new data (80–90%) is unstructured, requiring lengthy processing and intensive use of external resources.

Errors, inefficiencies, and rework generate delays, additional costs, and compliance risks within KYC and AML procedures; in addition to the competitive pressure from new digital players capable of delivering instant, paperless experiences.

Intelligent Document Processing

The made-in-Italy Platform that transforms documents into structured data, eliminating errors and delays through a proprietary AI model.

AI-Native Platform

A proprietary Small Language Model trained on European and Italian documents, specialized in the Lending domain.

Instant Processing

Processes that once required extensive manual effort are transformed into operations that take just a few seconds, reducing time-to-yes.

High Accuracy

98% average data-extraction accuracy, minimizing errors and ensuring precise, reliable information.

Guaranteed ROI

An investment with an average return tripled thanks to time savings and reduced operational costs, without increasing the team size.

Designed to support every operational scenario

It naturally adapts both to fully digital funnels (self-onboarding, rapid lending) and to processes managed by internal teams (assessment, monitoring, underwriting).

Digital funnels

Automatic document acquisition, data pre-population, classification, pre-assessment.

Traditional workflows

Operator support, document checking, automatic data entry into core systems.

How myBiros Works

A simple, automated process that transforms documents into structured data in just a few minutes.

Acquisition

Manages all documents related to the customer case, in any format. Files can be provided by customers through the digital funnel, uploaded by operators, or automatically retrieved from company systems.

Classification and Verification

Automatically classifies documents, recognizes their type, and checks that the case includes everything needed to proceed with the review, preventing gaps and delays in the process.

Data Extraction and Validation

Processes documents by extracting the information required for the case. Validates data through an interface that simplifies corrections, flags anomalies, and learns from your input.

Automatic Integration

Integrates seamlessly into your operational workflow, interacting smoothly with existing systems and adapting to current infrastructures to ensure continuous, frictionless processes.

Real-World Applications

The myBiros solution adapts to all credit products, optimizing every stage of the process.

Onboarding

Automates the collection of personal data and the analysis of income documents. Instantly obtain verified customer data for credit evaluation.

Automatic document verification
Real-time validation
Fewer frictions, higher conversions

Underwriting

Supports the analysis and assessment of creditworthiness. Feeds credit-scoring models directly with verified data.

Verification of document completeness
Real-time document classification
Data extraction from documents

myBiros'
Added Value

A scalable and flexible solution that adapts to your processes, improving productivity, data quality, and overall performance.

Reduces manual and control activities by up to 90%

Speeds up credit assessment thanks to reliable, structured data

Improves data quality by eliminating discrepancies and duplicates

Easily integrates with existing company systems

Security and Privacy First

myBiros ensures the highest standards of data security and protection, with private AI and dedicated infrastructure.

Private and Secure AI

Proprietary models trained exclusively on your company data, with no sharing with third parties. Your artificial intelligence remains private and under your control.

Security and Flexibility

You choose where your data lives: in the cloud or within your own infrastructure.myBiros is available as a European SaaS or in a dedicated private cloud, fully compliant with regulatory requirements.

AI Act and GDPR

Protecting and safeguarding your data is our priority.myBiros hosts information on European servers and applies all measures required by the GDPR and the AI Act.

myBiros for Lending

From Request to Approval
in Just a Few Steps

average extraction accuracy

reduction of Time to Yes

underwriting team productivity