Give the risk team the reasoning without rebuilding it.
See the factors behind the outcome—and the ones worth watching—in the language a credit committee already uses.
AI Decision Advisor
Every decision should be able to answer for itself.
The same credit decision has to be explained three ways—to the risk team, the commercial team and the customer. SoyakaAI lets each team ask questions directly and receive answers grounded in the affordability, bureau and policy factors behind the decision.
Working proof
One decision. Three ways to explain it.
Credit decision
ApprovePersonal finance assessment
- Bureau score
- 720
- Monthly income
- SAR 18,000
- Existing obligations
- SAR 2,000/mo
- Financing applied
- SAR 100,000
- Priced at
- 8.55% flat · 60 months
- Monthly instalment
- SAR 2,379
- Debt burden
- 11.1% to 24.3%
- Policy ceiling
- 45%
Record
No defaults, court orders or 90+ day delinquency.
AI Decision Advisor
Grounded in this assessmentAsk this decision
Why was this application approved?
Approved for the full SAR 100,000 requested. The bureau score is 720 with no defaults, court orders or 90+ day delinquency. At 8.55% flat over 60 months, the instalment is SAR 2,379, taking debt burden from 11.1% to 24.3% against a 45% ceiling.
720 bureau24.3% DBR45% ceiling
What could we offer instead?
What are the main risk signals?
Illustrative scenario using synthetic figures. The answer is assembled from the factors shown in the decision beside it. It is not a credit decision, quotation or offer.
What this helps you do
Show the commercial team what else is possible within policy.
See the headroom before the ceiling binds and how the instalment and debt burden change when the amount, rate or term moves.
Let customer-facing teams explain the outcome plainly.
Translate the same decision into language a customer understands, without making a commitment on the institution’s behalf.
From outcome to explanation
How it works
The decision is made first
Affordability, bureau signals and your own policy produce the outcome, exactly as they do now.
The explanation comes from the same factors
It is assembled from the inputs and limits behind the decision, rather than written separately from them.
Each team receives the answer it needs
Risk, commercial and customer-facing teams can ask naturally and receive an explanation appropriate to their role.
How we engage
Start with decisions you already make
Work can begin as consultancy or a batch assessment against your current decisions, so you can see the quality of the explanations before anything is installed. From there, we can integrate, co-build with your team, deploy on-premise or hand over a working module—whichever suits your environment.
FAQ
Questions institutions ask
Is this a chatbot?
Not in the usual sense. It is a decision-aware advisor. Teams can ask questions naturally, but every answer is grounded in the specific application, your policy and the factors behind the decision.
Does it decide or approve anything?
No. Policy, pricing, exceptions and approval authority remain with the institution. The Advisor explains the outcome, explores what your rules permit and helps the credit officer identify the next action.
Can customers receive these explanations?
Yes. The same decision can be translated into clear customer-facing language, while the institution controls what is shown and how it is communicated. Nothing is approved, offered or committed on the institution’s behalf.