Generic forms ask unnecessary questions
Static journeys cannot adapt to the borrower’s answers, product or circumstances.
Loan application completion for lenders
Turn more started applications into assessment-ready cases.
Gihaan guides each borrower through the application, collects and verifies missing information, and brings drop-offs back to the exact step where they stopped.
Borrowers can answer by text, voice or document. Your existing systems remain responsible for identity, policy, affordability and credit decisions.
The problem
Good borrowers abandon difficult applications.
Every abandoned application represents acquisition spend that never reaches assessment. Long forms, repeated data entry and unclear document requests cause applicants to leave before the lender can evaluate them.
Documents still need to be re-keyed
Borrowers upload evidence, then repeat the same income, debt and identity details.
Applicants cannot tell what is missing
Unclear fields and vague document requests create errors, delay and abandonment.
Operations teams chase incomplete cases
Employees spend time following up for information that could have been clarified in the application.
Conventional chatbots do not complete the form
They explain the process but leave the borrower to finish the same difficult application.
The product
One continuous journey from first answer to completed case.
Gihaan turns the lender’s existing application process into a guided, stateful conversation.
01
Ask only what matters
Each question adapts to the borrower’s previous answers.
The journey follows the lender’s product rules, avoids irrelevant fields and keeps every captured fact visible and editable.
02
Turn documents into confirmed application data
Extract relevant information, then ask the borrower to confirm it.
Gihaan fills the appropriate fields and flags uncertain or conflicting information instead of guessing.
03
Show exactly what remains
Make completed fields, missing evidence and the next action clear.
Borrowers can see their progress, understand each requirement and ask for a person whenever the case needs human support.
04
Recover incomplete applications
Resume from the precise point of abandonment.
With the appropriate consent, Gihaan contacts applicants through an approved channel, carries their existing state and resolves the missing step.
See the recovery loop
05
Hand over an assessment-ready case
Send validated answers, confirmed document data and source evidence into the existing origination process.
The lender receives a structured case it can assess without changing the systems or policy that govern identity, affordability and credit decisions.
Applicant answersConfirmed
Required documentsComplete
Identity statusVerified by eKYC
Source evidenceLinked
Answer naturally
One question. Three ways to answer.
Each input method updates the same application state.
Requested amount$30,000 ✓Purpose: debt consolidation
I need funding to consolidate monthly repayments.Got it. Purpose filled in.
Income evidence identified
Governance
AI guides the journey. The lender makes the decision.
Gihaan does not replace the lender’s identity, compliance or credit systems.
Existing systems keep their authority.
Gihaan manages the borrower journey while approved lender services perform regulated checks and calculations.
- 01Existing eKYCVerifies identity
- 02Credit bureauAccessed only with explicit consent
- 03Affordability and pricingCalculated deterministically
- 04Credit engineApplies lender policy
- 05Origination stackReceives the assessment-ready case
Sensitive and exceptional cases route to employees.
- Vulnerable or distressed applicants
- Suspected fraud or impersonation
- Conflicting identity or document records
- Unverifiable income or affordability
- Hardship or insolvency indicators
- Repayment misunderstanding
- Any lender policy exception
- Complaint or request for a person
Every captured fact remains editable and linked to its source.
The AI never approves credit, changes lender policy, invents terms or promises an outcome.
Pilot
Prove incremental value before expanding.
Start with one product, one applicant cohort and one agreed recovery channel. Keep the lender’s existing credit policy unchanged and compare the pilot against a control group.
Pilot design
- One lender and one product
- One defined applicant cohort
- Consented channels only
- Existing credit policy unchanged
- Human escalation at every exception
Measure
- Assessment-ready application rate
- Missing-document rate
- Time to completion
- Manual handling time
- Cost per funded loan
- Complaint and comprehension rates
- Early delinquency
Recovery is part of the journey
Experience a Cantonese and English application-recovery call.
If a consented applicant drops off, the same application state follows them into a contextual call, message or human handoff from the exact missing step. The live demo shows voice interviewing, state management and escalation, not autonomous approval or demonstrated commercial results.
- 01Defined drop-off signalApplicant pauses at an agreed stage.
- 02Contextual outreachContact occurs only with the required consent.
- 03Friction resolvedThe assistant explains the missing item or next step.
- 04Application resumedUpdated evidence returns to the same governed workflow.
Proof behind step four
Recovery-call demo
Enter the invitation code to try it
Recover acquisition spend
Recover the applications you have already paid to acquire.
Improve completion without loosening credit policy or replacing your existing loan-origination stack.
Design a controlled pilot