In today’s fast-paced lending environment, every second counts. At ApPello, we continuously invest in AI-driven innovations to help financial institutions simplify complex processes, cut down on manual work, and accelerate decision-making. One of our latest developments focuses on transforming unstructured data into structured insights, directly boosting efficiency throughout the loan origination lifecycle.

Unlocking value from unstructured documents

Loan applications often involve a variety of supporting documents—income statements, financial reports, tax certificates, business plans, or even scanned ID cards. These documents typically come in as PDFs, scans, or image files, and going through them manually takes time, increases the risk of errors, and drains resources.

Our AI-based Document Intelligence module addresses this by automatically extracting data from these unstructured sources, including image-based formats, and converting them into clean, structured information that can be used right away within the lending process.

How it works

• Image and PDF recognition
The system can handle a wide range of file formats, including PDF, DOCX, JPG, PNG, and other text or image-based inputs. PDF and DOCX documents are broken down into logical units for targeted data extraction. Even scanned or image-based documents are processed easily—our AI engine can reconstruct text from visual and color data, turning previously unsearchable content into something useful.

• AI-driven data extraction
We apply Optical Character Recognition (OCR) not just to extract characters but also to recognize color-based visual patterns in images. The resulting text is then sent to a Large Language Model (LLM) or AI agent that reviews the content semantically to identify key details such as names, numbers, and business-specific information. This allows the system to find exactly what the user needs without relying on rigid templates or hardcoded logic.

• Smart structuring
Another AI agent steps in to carry out semantic analysis, mapping the identified entities to the right process keywords and predefined API keys. This lets us automatically trigger the next steps in the workflow. At the same time, users can review and approve the results if needed. Since the system is fully adaptable, it works well with both structured and unstructured data, ensuring flexibility in real-world use.

• Workflow integration
Once the data is structured, it flows directly into key parts of the credit lifecycle—from pre-screening and scoring to risk assessment and final approval.