Intellect Design Arena Ltd., a global leader in enterprise-grade financial technology, has announced the launch of PF Credit specifically for the Philippines, following its successful global debut. The specialised suite, built on the enterprise-grade Open Business Impact AI platform Purple Fabric (PF), is engineered to accelerate, automate and strengthen lending operations across Philippine banks.
PF Credit combines advanced Large Language Models with deep domain and regulatory intelligence to meet the growing demand for faster, more inclusive and compliant digital lending. The suite brings together five domain-rich digital experts designed to support every stage of the lending lifecycle, from customer onboarding and underwriting to servicing, operations and collections.
One of the key strengths of PF Credit lies in its ability to dramatically speed up the onboarding process. The Loan Origination Digital Expert instantly extracts and validates information from essential Philippine documents such as PhilSys IDs, UMID cards, driver’s licences, DTI and SEC registrations, BIR certificates, payslips and mayor’s permits. Processes that typically take several days can now be completed within minutes, enabling banks to deliver a significantly faster customer experience.
The underwriting process also sees substantial enhancement. The Loan Underwriting Digital Expert reduces NPA risk and accelerates credit decision-making by analysing identity documentation, income proofs, cash flow statements and borrower financials against relevant local industry benchmarks. Features like Deviation Management, Contextual Data Analysis and an intelligent underwriting assistant further elevate accuracy and productivity.
On the servicing side, the Loan Customer Service Digital Expert autonomously resolves over 80% of customer inquiries through an AI-powered multilingual assistant, easing pressure on call centres and improving response times. Operational efficiency is strengthened through the Loan Operations Management Digital Expert, which reduces manual workloads and helps cut operational costs by up to 30%.
The Loan Collections Digital Expert elevates recovery performance through Intelligent Case Allocation and enhanced agent support, enabling up to a 20% increase in recovery rates and a 25% boost in collector productivity.
A major differentiator for PF Credit is its strict adherence to Philippine regulations, including BSP guidelines, AMLC requirements and the Data Privacy Act. Powered by Purple Fabric, the platform unifies enterprise knowledge, orchestrates intelligent agents and ensures robust governance across all AI-driven functions, enabling banks to safely scale digital lending with measurable impact.
PF Credit is available as a complete solution through Intellect’s eMACH.ai Lending platform for end-to-end digital credit transformation. It also integrates seamlessly with existing lending infrastructures, including Loan Origination Systems, Loan Management Systems and Collections platforms, offering flexibility for institutions at any stage of their modernisation journey.
