Hands-Off AI Assistant

Lending platform thatunderstands, guides and configures.

An AI assistant built into the ApPello platform. It answers questions from live data, walks your teams through tasks step by step, and builds screens, rules and workflows from a description. Nothing goes live until you approve it.

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Enter the world of AI-powered lending.

Up to 80% faster configuration, fully auditable.

One assistant, three jobs

Query.Configure.Understand.

Ask about live business data and get an answer in seconds, with the records behind it.

Hands-Off AI AssistantCommercial Loan Origination

Which customers currently exceed their credit limits?

3 customers are over their approved limit. ALFA GROUP has the largest overrun, driven by its connected entities.

Customer	Limit	Exposure	Over
ALFA GROUP	EUR 5.0m	EUR 5.6m	+12%
Demo company	EUR 1.2m	EUR 1.31m	+9%
Paradicsom Bt.	EUR 0.8m	EUR 0.84m	+5%

Show exposure detailsDraft an action plan

Hands-Off AI AssistantWorkflow · SME Investment Loan

Create an approval workflow for this loan product with three approval levels.

Credit proposal Relationship manager

Risk review Risk analyst

Approval level 1–3 Routed by amount & exposure

Approved → Contracting Maker–checker enforced

Done. I created the approval workflow with three levels, configured the routing rules and ran the tests.

Tests passedReview diffUndo

Hands-Off AI AssistantDecision rules

Why was application SME-2041 routed to approval level 3?

The requested amount pushes the group's total exposure above EUR 2m, and the client's rating is below BB. Rule R-14 sends these cases to the credit committee.

IF group_exposure > 2 000 000
AND rating < "BB"
THEN approval_level = 3 // rule R-14

Use cases

Three roles. One assistant.

Behind Query, Understand and Configure are three roles your teams already know: a business consultant who answers questions, a process assistant who walks people through a task, and a configurator who builds what you describe. Pick one to see it at work.

See it in action01 · Query

Business consultant

Instant answers about your data, models and their states, with the records behind them.

YOU SAYWhich data sources feed the PD model, and is it in production?

See it in action02 · Understand

Process assistant

Guides users step by step, from uploading the data to getting predictions, and explains what each step is for.

YOU SAYI've uploaded the dataset. What's the next step?

See it in action03 · Configure

Configurator

New screens, fields and workflows around your models, created from a description.

YOU SAYAdd a review screen for the new scoring model, with an approval step.

Also in the AI suiteAI Decision Engine requirements to tested rulesAI Document Processing confidence-scored extraction

How it works

One request.
A team of specialist agents.

An orchestrator reads your intent, breaks it into steps and hands each one to a sub-agent with its own tools. You see every step as it happens.

Knows your platform

It understands how your screens, data, rules and workflows connect, so one change does not break another.

Shows its plan first

For bigger requests you see a step-by-step plan, and you can adjust it before anything is built.

Connected both ways

MCP connectors reach your other systems, and approved external agents can work with the platform through its own MCP server.

Built-in validation

Do. Verify. Adjust. You decide.

After every action the assistant checks its own work. When something needs a judgement call, it stops and asks a person.

Step 1 of 3

Do

Applies the planned change and reports exactly what it modified and where.

Verify

Runs the checks: validations, test cases and the effect on related screens and rules.

Adjust

Refines the result if a check fails, then verifies again.

Human checkpoint

Key decisions, critical changes and sensitive actions wait for explicit approval.

See it in action

One request, start to finish.

Two requests from the platform, played out step by step. The assistant plans the work, builds it, tests it, and then waits for you.

Hands-Off AI Assistant

Real walkthrough · Collateral Management

Build a model just by asking.

One loan agreement and two requests. The assistant builds the collateral model and delivers a risk report as a PDF.

Security & governance

Powerful, but always controlled.

The assistant works inside the rules your bank already has. Nothing it does is hidden, and nothing it changes is permanent until you say so.

Your roles, respected

Users can only see and change what their role allows. The assistant follows the same boundaries.

role-based access

Smart checkpoints

Critical changes and sensitive actions need an explicit human approval before they run.

human in the loop

Full audit trail

Every action, approval and change is logged and can be reviewed later by audit and compliance.

traceable

Step-level undo

Revert a single applied change without touching anything else in your configuration.

reversible

Language guardrails

A guardrail system defines what the assistant may and may not do, and your team can extend it.

extensible policy

Measured, not assumed

Policy safety, correctness, response validity, latency and cost are tracked as KPIs.

monitoring

Results

From idea to implementation, without the queue.

80%

faster delivery on long, complex configuration tasks.

5–6×

greater efficiency compared with traditional configuration methods.

prompt is enough to generate a complete, multi-page interface for a workflow step.

Figures based on ApPello project experience on long, complex configuration tasks.

Query. Configure. Understand.

Let's modernize your lending process.

See the Hands-Off AI Assistant on your own use case. A 15-minute call is enough to start.

Book a 15-min call Watch the walkthrough

sales@appello.com · +36 1 474 0915

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