Banking, financing, repayment, and external financial information normalised into one platform.
AI & Financial Services case study
AI-assisted cash-flow analysis that gives SME credit teams a clearer, more consistent financial view.
A European provider of SME finance, leasing, and asset-based financing needed a clearer view of each business customer’s financial position. Relevant information was spread across bank accounts, credit facilities, financing products, repayments, and external data sources. Eleco Technologies delivered a digital finance and leasing platform that brings this information into one operational view, alongside an AI-assisted analysis layer that supports relationship managers and credit teams without displacing their authorised decision-making responsibilities.
AI-assistedCash-flow analysis
Decision-support observations, not autonomous credit decisions
5Review signals
Changes, pressure, repayments, commitments, applications
Multi-sourceFinancial data
Accounts, facilities, products, repayments, and external sources
Human-approvedCredit decisions
Authorised employees retain final responsibility
Cash-flow behaviour is analysed to highlight relevant changes and review needs.
Credit policies, configured eligibility rules, and authorised employees remain accountable.
Client challenge
What the organisation needed to solve
Relationship managers and credit teams were preparing financial information from multiple accounts, credit facilities, financing products, repayments, and external sources. This made it harder to build a consistent view of cash flow, commitments, and exposure for each SME customer. The provider needed a more efficient operating model that could surface relevant financial changes, support consistent credit reviews, and help teams focus their attention on applications or customer situations that warranted deeper analysis — without replacing configured credit policies, eligibility rules, or accountable employees.
Eleco Technologies solution
How the platform addressed the problem
Eleco Technologies delivered a digital SME finance and leasing platform with banking API integration, financial-data normalisation, dashboards for business customers, relationship managers, and internal credit teams, plus document management and configured eligibility rules. The AI-assisted back-office layer analyses cash-flow behaviour and highlights unusual income or expenditure changes, recurring cash-flow pressure, repayment behaviour, relevant commitments, applications that may require additional review, and financing products that may fit a customer’s financial profile. These observations are presented as decision-support information; credit policies, configured rules, and authorised employees remain responsible for the final decision.
Delivery model
Structured engineering delivery with clear team, timeline, and stack evidence.
Team composition
Financial platform engineers
Banking API integration specialists
AI analysis specialists
Relationship management and credit-team stakeholders
Delivery approach
Created a single operational view from banking APIs, account and transaction data, credit facilities, repayment information, financing products, and external financial sources.
Structured AI output as focused decision support for relationship managers and credit teams, highlighting relevant changes rather than producing autonomous credit decisions.
Preserved financial governance by keeping configured eligibility rules, credit policies, and authorised employees responsible for approval and final outcomes.
Technology stack
SME finance and leasing platformBanking API integrationFinancial data normalisationAI cash-flow analysisCredit decision supportEligibility rulesProduct recommendationsRelationship-manager dashboardsDocument management
Measured outcomes
Operational results that make the engagement commercially credible.
Reduces the time teams spend preparing financial information by bringing data from multiple institutions and financial products into one operational view.
Gives relationship managers a clearer view of each SME customer’s cash flow, commitments, repayment behaviour, and potential financing needs.
Supports more consistent credit reviews and earlier identification of relevant financial changes through focused decision-support observations.
Improves communication between customers, relationship managers, and credit teams through shared dashboards, normalised information, and clear review context.
Evidence points
What the delivered system included
Banking API integration and financial data normalisation across multiple institutions
AI-assisted cash-flow analysis for unusual income or expenditure changes, pressure, repayment behaviour, and commitments
Decision support for applications requiring deeper review and financing products that may fit the customer profile
Configured eligibility rules, document management, and relationship-manager dashboards with human approval retained
Engineering Delivery Review
Turn evidence from similar work into a practical delivery plan.
If your organisation is planning a platform build, modernisation, internal workflow system, or AI-ready automation layer, Eleco Technologies can review the opportunity, risks, team model, and first delivery phase.