Institution A
Eligible- Amount
- SAR 100,000
- Price
- 3.2%
- Term
- 60 months
Marketplace
One applicant. A different answer from every institution on your panel.
Assess the same applicant against two institutions and you can get two different answers—one may decline, while another may support the full amount at its own price and duration. SoyakaAI shows where an applicant qualifies, how much could be offered and why, drawing on decisioning and pricing intelligence built across 60+ institution rulesets in the Saudi market.
Working proof
One applicant through the panel
01
The applicant
One request. One starting position.
- Monthly income
- SAR 15,000
- Existing obligations
- SAR 1,800/mo
- Bureau score
- 690
- Requested
- SAR 100,000
02 · Decisioning foundation
60+ market rulesets
Current pricing intelligence
Key lending types
Protected engine03 · Institution-specific outcomes
The same applicant, assessed on different terms
Across a full panel, one applicant can range from a decline to the full requested amount.
Institution B
Lower amount- Amount
- SAR 72,000
- Price
- 5.8%
- Term
- 48 months
Institution C
Not eligible- Amount
- —
- Price
- —
- Term
- —
Minimum employment period not met for this product.
04 · Strongest viable match
Institution A
Institution A is the only illustrated outcome that carries the full SAR 100,000 requested, with the resulting instalment remaining inside the applicant's affordability. Institution B remains a viable alternative at a lower amount and shorter duration.
Works across
Personal finance · Auto · Real estate · Micro · SME · Credit cards
Illustrative scenario using synthetic figures and generic institution labels. Outcomes are shown; the rules and pricing intelligence behind them are not. These are not offers, and each institution remains responsible for its own approvals. Your lender panel and agreements remain yours.
What this helps you do
Launch or expand without rebuilding lender decisioning from zero.
Start from an established foundation rather than modelling every institution’s eligibility, policy and pricing before processing applications.
Turn one application into institution-specific outcomes.
Show different amounts, prices and durations across the panel—including a workable alternative where the full request does not fit.
Keep the market picture useful as rules and pricing change.
Maintain the intelligence behind the decisioning instead of leaving it frozen at the point of launch.
From applicant to strongest fit
How it works
Map your panel to institution-specific decisioning
Each participating institution is assessed on its own eligibility, product policy, permitted amounts and durations.
Assess every application across the panel
Return eligibility, amount, pricing, duration and any viable alternative for each institution from the same applicant.
Rank the viable outcomes with a visible rationale
See why one option is strongest, what the alternatives are and what could make another structure work.
How we engage
Start with the panel you already have
Work can begin as operating-model design, panel mapping or a batch assessment of applications you already hold—before any platform decision. From there, we can provide a portal, expose an API, integrate with your existing stack or co-build the journey with your team.
FAQ
Questions institutions ask
Can this work with the lender panel we already have?
Yes. You keep your lender relationships, contracts and commercial terms, while SoyakaAI maps the decisioning and market intelligence behind the participating institutions.
How are changing rules and pricing kept current?
Rules and pricing are reviewed and updated as the market changes, so the decisioning does not remain frozen at launch. This removes a significant ongoing maintenance burden from the client.
Do we need to deploy the full platform?
No. Work can begin as consultancy, panel mapping or batch analysis without a deployment. A portal, API, integration with your existing stack or a co-built journey can follow where it adds value.