Agentic Loan Applications: Governed Agentic Systems for Consumer Lending

Agentic Loan Applications is now available, expanding the OutSystems Agentic Industry Solutions portfolio for banking. It brings customer-facing applications, governed agents, and deterministic workflows together into a single pre-built system for consumer lending that banks adapt to their own products, policies, and existing banking systems.

The solution layers over your existing banking systems and grounds its agents in your operational context - your policies, systems, and dependencies - so agents operate more efficiently and accurately while every lending decision stays under the bank's control.

What you get:

• A guided, agent-assisted application journey. A conversational agent walks applicants through a personal unsecured loan application: it captures intent, collects and validates documents, runs identity and sanctions screening, and compiles a complete application that passes to your existing loan origination system.
• Agents evaluated before they reach production. Every banking agent is tested against dozens of agent evaluations covering criteria such as relevance, accuracy, and PII protection, and re-tested after any model, prompt, or tool change so agents stay within guardrails.
• Model selection tested for cost and accuracy. OutSystems evaluated multiple models through Amazon Bedrock and pre-selected models that perform optimally at up to 82% lower cost. Banks configure the system around their own products, policies, and existing banking systems while retaining control over their data.

Inside the solution:

• Apps: Mobile Banking, the customer channel for starting and tracking loan applications, and Lending Console, the back-office workspace where lending staff review, intervene in, and progress applications with AI assistance.
• Agents: Lending Conversation Agent guides applicants from intent to submission; Lending Policy Agent answers product, fee, rate, and eligibility questions strictly from approved documentation; Banking Document Agent validates loan evidence and flags only concrete, traceable discrepancies; Lending Fraud Agent surfaces evidence-anchored fraud, KYC/AML, and credit-risk indicators to inform human decisions.
• Workflow and services: Lending Application Workflow orchestrates the full lifecycle - submission, regulatory screening, risk and fraud assessment, credit checks, loan-officer validation, final offer, and either account creation or an adverse-action notice - with durable loan state, status history, and audit centralized in the lending services layer.
• Integration gateways: Stable contracts isolate credit bureau, regulatory and compliance (OFAC, FinCEN/BSA, SSA eCBSV, DMDC MLA/SCRA, and fair-lending checks), and core-banking integrations from the origination flow.

The Banking Agents Kit is also available on the OutSystems Forge, with building blocks for creating banking apps and agents on the OutSystems platform.