Introducing DigiFi's Application AI Assistant

Lending decisions are rarely made from a single number. Before an application can move forward, someone has to work through everything attached to it: what the applicant provided, what credit and verification services returned, what the decision rules concluded, and what the team has noted along the way.

Today we're introducing the AI Assistant, a conversational assistant on the Application Details page that helps your team work through that information and get to a clear picture of each application faster.

Before A Decision

In lending, a single application brings together data from many sources. Some of it arrives in a consistent structure, and some of it doesn't. Fields may be filled in differently from one applicant to the next, third-party results come in their own formats, and important context sits in tasks, notes, documents, and comments.

Before anyone can make a call, a reviewer has to:

• Gather the relevant details from across the application
• Reconcile information that doesn't quite line up
• Spot gaps, inconsistencies, and risk factors
• Weigh all of it against the lender's own criteria

This takes time and experience, and details are easy to miss when volume is high. The work also tends to repeat: when a file changes hands, the next person often needs to start the review over.

How The AI Assistant Helps

The AI Assistant works from the information already on the application. Your team can ask questions in plain language and get answers based on that specific file, instead of searching across tabs and piecing the picture together by hand.

It can help reviewers:

• Get oriented quickly with a summary of where an application stands
• Surface inconsistencies and potential risks for a closer look
• Understand how different pieces of information relate to each other
• Prepare drafts, such as borrower updates, based on the current state of the file

The goal isn't to replace the review. It's to shorten the time between opening an application and understanding it, so your team can focus on the judgment calls.

Built For How Your Team Works

Every lender has its own way of reviewing applications. Admins can set up quick-start prompts for the requests their team makes most often and choose which permission groups see each one. Users can start with a prompt in one click or ask their own questions.

Conversations are saved to the application and visible to everyone working on it, with other people's sessions available as read-only. When a file is handed off, the next person can see what has already been asked and answered.

Your Team Stays In Control

• Read-only. The assistant reviews and analyzes application data. It doesn't update fields, complete tasks, or send communications.
• Verify before acting. Like any generative AI tool, it can make mistakes. Its responses are a starting point for review, and final decisions stay with your team.
• Admin control. Admins decide which prompts are available and who can see them.

Track Usage & Set AI Credit limits In Billing

The Billing section now includes a Usage & Limits tab for the current billing period. It shows applications created, decisions created, active users, and AI Credits used, so admins can see where the organization stands at any point in the period.

AI Credits are the single unit for DigiFi's AI features, including the AI Assistant and the AI Agent. Your plan includes a set number of credits each billing period, and usage above that is billed per credit. To keep spending predictable, admins set a limit on AI Credits per billing period. The limit carries over from one period to the next until an admin changes it.

Also In This Release

Two new automated actions are available in the Automation Builder:

• Link Document to Task links an application document to a task.
• Move Document to Folder moves an application document into a folder.

Xactus Credit ReportX integrations are now available in DigiFi's Marketplace.

Lenders can choose between:

• Xactus Credit ReportX – Single Bureau – Retrieve a credit report from one selected bureau: Equifax, Experian, or TransUnion.
• Xactus Credit ReportX – Tri-Merge – Retrieve a combined credit report using all three major credit bureaus.

Try It Today

The AI Assistant is already available and active in DigiFi. Open any application and give it a try. Or contact us at sales@digifi.io to request a demo. We can't wait to hear your thoughts on it!