AIO supports faster decision making

AIO is an AI-based platform that automates the document collection and verification process, decreasing lending cycle times, removing data re-use friction, reducing borrower stress, and transforming raw data into actionable – profitable – information.

AIO is designed to help lending teams collect, review, and confirm data received. It can analyze dozens of financial documents, classify them, extract data necessary to make better decisions. Plus, its AI architecture understands what data is missing, problematic, or outdated without human intervention which accelerates time to close. These capabilities are all the more critical because:

Up to 80%

of loan requests have at least one missing, incorrect, or problematic document

Over 65%

of the time spent on loan applications is typically spent chasing and reviewing documents

Automating document collection and verification is the best path forward

AIO delivers benefits that drive income to your bottom line.

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Customer portals for storing documents

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Checklists to guide customer efforts

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Simple outreach to third parties

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Third parties’ document uploads directly to the banking portal

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Real-time verification of documents

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Data points extraction for us across the lender’s system

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Automatic cross-checking and data verification

Two persistent problems with securing commercial loan documents

Join AIO’s Vimal Patel and Finastra’s Pam Fitz to learn two persistent problems for securing commercial loan documents, some best practices, and new ideas to get it done right sooner.

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Key features and benefits


AIO uses existing records and public data to start building a 360° client identity instantly and then sends smart, actionable checklists to request any missing information or documentation.


The platform synthesizes client-submitted data against public records to validate the integrity of the information, surfacing insights related to risks and compliance.


Once clients are approved, AIO generates and sends letters of intent or customized contracts based on pre-defined parameters and terms.


AIO keeps clients finance-ready by providing continuous financial monitoring and alerting financial institutions to changes that could signal new risks or additional opportunities.

Client testimonials of AIO

Below are excerpts from interviews with clients about the power AIO has unleashed for their business

First Tech logo

"We are expecting productivity improvements of 25%, and a decrease of 42 hours from application to approval."

Director, Commercial Lending Ops, FirstTech

Bank BTB logo

“Our commercial clients come to us because we're digital-first which provides speed, privacy, and security. AIO helps with a simple, frictionless experience

General Manager, Bank BTB

Santander logo

“We need a technology to help us safely and securely gather the information and put it in a data vault. AIO has the technology to do that.

Global Head of Identity, Santander

AIO provides lenders key benefits

Ease of use and control

Our solution guides Borrowers on which documents to share with the lender and assists with transferring securely to lender’s platforms.

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Security and connectivity

View documents on AIO’s stand-alone or on lenders’ platform using APIs.

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Speed and conversion

Streamline customer onboarding and improve completion success rates

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Learn about our complementary solutions


Finastra LaserPro

A complete loan documentation system for commercial, consumer & mortgage lending.

Finastra Total Lending

A single access point for authentication, launching, viewing, and managing your Total Lending product suite.

Finastra Originate

Harmonized digital origination for deposits, loans and mortgages.

Explore how Finastra and AIO have partnered to optimize your loan onboarding journey and your clients’ experiences.