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Soyaka AI ™| Client Introduction

Updated: Sep 26


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AI-powered credit decisions for messy data and missed borrowers

Get live approvals, offers, and missed-revenue insights — fast.

Why Other Credit Models Fail — and How SoyakaAI Delivers ROI in 1 Day

⚡ Get tailored lending decisions with measurable ROI in days — no risk, no setup



Why Choose Us

The only credit engine proven globally and retrained locally — delivering measurable ROI in 24 hours, without complexity.

  1. Localized + Global Expertise — Our AI Risk models are trained on $50B+ in global lending decisions scoring millions of loans. Our global models are localized by retraining on SAR 1B+ of Saudi client lending decisions.

  2. Instant ROI — Share messy data → get instant approvals, offers, and missed-revenue insights within 24 hours.

  3. Zero Complexity — Decide instantly with no dashboards, training, or tool overhead.

  4. Pays for Itself — Recover revenue lost in rejections through AI-driven approvals and fallbacks.

  5. Risk Expert on the Ground — Skip hiring in-house risk teams; we act as your advisor to launch safely, faster, and without consultant costs.



What We Offer | Our Solutions

  1. Real-time decision engine — turns your raw data into instant approvals, pricing and revenue without integration.

  2. Intelligent Offer Matching™ — turns a score into the right offer: approve low-risk instantly, right-size mid-risk, reroute high-risk to secured/prepaid.

  3. Risk-to-Revenue™ playbooks — quantify missed revenue and show exactly where to convert more approvals safely.

  4. CertainProfit™ — secures outcomes: coach borderline profiles, find best fallback products, and predict default risk.

  5. Embedded-Risk-Advisor™ — act as your on-the-ground risk expert to design, localize, and fine-tune lending models for your market — eliminating the need for in-house hires or costly consultants.



Proven Client Results

  • Converted stalled applicants: 30–70% of pending borrowers into approvals with tiered offers and fallback options.

  • Rescued rejections: Recovered 40–50% of declined borrowers via safer fallback products.

  • Cut manual reviews: Automated clear “approve / reject / review” tiers to speed up decisions by 80%.

  • Priced with precision: Identified competitive and safe rates (e.g. murabaha/profit rate) with limits & matching tenor without increasing risk.

  • Unlocked micro-SME growth: Approved viable businesses even without bureau data — outperforming rigid rules to reveal hidden revenue fast.



We Empower All Lending Models

Our decision engine adapts to multiple lending models, instantly tailoring risk, pricing, and fallback strategies to your portfolio.


  • Consumer Finance: Instantly approve low-risk borrowers; set safe limits for mid-risk; redirect high-risk to secured/prepaid for zero credit exposure.

  • SME / Micro-SME: Score both business and founder from messy financials; right-size limits and terms with explainable, compliant rules.

  • BNPL: Approve in real time at checkout; offer safe fallbacks for borderline shoppers; predict defaults portfolio-wide with TrustScore™.



Test Our AI Risk Engine | Free, No Setup, Results in 24 Hours

Easy as 1-2-3™ — No integration & deployment needed to see the ROI & business impact.

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No setup. No delays. No risk.

No setup fees. No hidden consulting charges. You don't even need a dedicated internal risk team to interpret the results.


  • ✅ Works with messy data

  • ✅ No back-and-forth

  • ✅ Instant, actionable results


⚡ Share 3–5 past applications → get live approvals, offers, and missed-revenue insights — fast


See It in Action — Real Clients, Real Results

Client Deployment Story:

See how a Saudi lender went from first data share to instant results.


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📊 Example Client Impact

💡 With Soyaka AI, this Saudi client unlocked over SAR 100M in new lending opportunities — from the same applicant base.


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How our engine works, from deployment to live scoring, plus answers to top questions.



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Soyaka AI | Three Technology Pillars

🚦 Intelligent Offer Matching™ Technology

Maximizes approvals while keeping risk in check.

  • YourScore™: A custom-built risk score tailored to your own applicant base and data.

  • AutoGreen™: Instantly approves low-risk applicants with clean profiles and stable income.

  • FlexTier™: Matches medium-risk customers to capped loans or prepaid cards.

  • SmartRescue™: Redirects high-risk cases to secure fallback products, recovering margin instead of full rejection.


🧭 Risk-to-Revenue™ Technology

Bridges scoring to business impact, unlocking missed revenue in your applicant flow.

  • RiskInsights™: A full intelligence report on your applicant base.

  • BusinessImpact™: Shows real revenue lost and recoverable with safe conversion strategies.

  • CreditUplift™: Per-applicant report showing score logic, rationale, and safe conversion offers.

  • RootCauseReport™: Per-applicant analysis with key drivers and recommended next steps.


🔒 CertainProfit™ Technology

Turns risky profiles into profit with education and fallback strategies.

  • CreditEducator™: Turns a rejection into a teachable moment with clear guidance to qualify.

  • MatchMaker™: Finds best fallback products for risky or rejected applicants.

  • TrustScore™: Predicts likelihood of default from behavioral signals for safer approvals.



 
 
 

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