INDUSTRY SOLUTIONS / BANKING & FINANCE

Instant Credit Decisions
Available 24/7.

Transform credit card applications from a waiting game into an instant experience. Jurin AI automates eligibility checks, identity verification, and approvals in under 60 seconds.

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The Trust Gap

The Application Black Hole

Traditional banking operates 9-to-5, but customers shop and make financial decisions on weekends. Applying for a credit card often means filling out a static web form and waiting 3-5 business days for a manual review.

This delay kills conversion rates. Customers abandon applications if they hit a snag (e.g., "document upload failed") or simply lose interest while waiting for approval. Banks need an AI that can underwrite and issue virtual cards instantly, any time of day.

Jurin AI's Approach

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Jurin AI acts as a 24/7 Digital Underwriter. It integrates directly with your Core Banking System (CBS) and Credit Bureaus to perform real-time risk assessments. It guides customers through eKYC steps conversationally, reducing drop-off and ensuring compliance.

SME Loan Processing Flow

01.

Real-Time Scoring

Connect to credit bureaus via API to pull FICO/JICC scores instantly. Calculate debt-to-income ratios in milliseconds.

02.

Conversational eKYC

"Please take a selfie holding your ID." The AI verifies identity documents against biometric data instantly within the chat.

03.

Instant Issuance

Upon approval, generate a virtual card number immediately for Apple Pay/Google Pay, allowing instant spending.

04.

Fraud Guard

Analyze behavioral patterns (typing speed, location, device fingerprint) during the chat to flag potential identity theft.

Real-World Customer Scenarios

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Experience how Jurin AI handles sensitive financial conversations with speed, security, and compliance.

Instant Eligibility Check

Customers want to know if they qualify without a hard credit pull. Jurin performs a "soft check" instantly based on basic info provided in chat.

Soft Pull

Real-Time

Application Status Check

Eliminate calls asking "Is my card approved?" Jurin checks the Loan Origination System (LOS) securely and provides granular status updates.

LOS Integration

Auth Required

Credit Limit Increase

Customers often need temporary increases for travel or large purchases. Jurin analyzes payment history and internal risk scores to approve increases instantly.

Risk Analysis

Instant Action

Order Tracking (WISMO)

"Where Is My Order" calls are the #1 volume driver. Jurin integrates with logistics providers to give granular updates—not just "In Transit," but specific reasons for delays and revised ETAs.

Logistics API

Proactive Alert

Core Capabilities

Built for Regulated Financial Environments

Bank-Grade Security

SOC2 Type II compliant. All PII data is encrypted end-to-end and stored within your private cloud environment.

Document OCR

Instantly read and validate uploaded payslips, tax returns, and utility bills to verify income and address.

Multi-Language Support

Serve expatriate communities by processing applications in English, Chinese, Portuguese, etc., while filing in the local language.

Cross-Selling

"Your credit score qualifies you for a pre-approved auto loan rate." Smartly suggest relevant products upon approval.

Market Leader

Trusted by 34 of Japan's Top 100 Companies

Leading financial institutions rely on Jurin AI for mission-critical automation.

Featured Success Story

Major Regional Bank:
‍Mortgage Pre-Screening

The Challenge: Mortgage applications were taking 2 weeks to process due to manual document verification, leading to customer churn to digital-first competitors.
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Automated Validation: Jurin AI engages applicants to upload tax returns and ID proofs, verifying them instantly via OCR.

Instant Eligibility: The AI calculates debt-to-income ratios and issues "pre-approval in principle" certificates 24/7.

“Pre-screening was slowing us down and costing customers. Jurin reduced the wait from weeks to minutes while keeping every eligibility and compliance check intact.”