# Lending and insurance: automation and AI

> Applications arrive as document packs and leave as decisions. Most of the hours in between go to reading, re-typing and cross-checking. That's the part software should carry.

Canonical page: https://pxl.services/solutions/lending
Last updated: 14 Oct 2026

## Workflows we'd build first

### Document intake

Bank statements, payslips and financials parsed into structured data, with every figure linked back to its page.

### Affordability and risk signals

Ratios computed the same way every time, with flags for concentration, returned debits and irregular income.

### Credit memo drafts

A first-draft summary an analyst edits instead of writes, with citations on every claim.

### Claims triage

Incoming claims sorted, summarised and routed, so assessors start with the full picture.

## The pilot metric

Analyst minutes per application, from upload to a reviewable file. Measured before the Pilot Sprint starts, and again when it ends.

## Built with care

Credit decisions stay with people. Systems are built as decision-support under the NCA and POPIA, with an audit trail on every output.

## From PXL Labs

Mako (Prototype): AI-assisted credit analysis for SME lenders. Documents in, traceable credit summary out. [Mako](https://pxl.services/labs/mako)

## Start

Every build starts as a two-to-four-week Pilot Sprint. [Contact](https://pxl.services/contact)