Use Case

AUTOMATED CREDIT DECISIONING AND RISK ASSESSMENT WITH LANGGRAPH

October 12, 2023
April 9, 2026
8 min read
10
min read
Data visualization and AI network
85%Reduction in manual data entry time
3.2xIncrease in underwriting throughput
100%Sovereign data compliance maintained

The insurance industry relies heavily on complex document analysis, risk assessment, and regulatory compliance. For global reinsurers, processing unstructured data from various sources into structured underwriting models has traditionally been a labor-intensive bottleneck.

The Challenge of Unstructured Data

Business Challenge Credit decisioning in Swiss banking is traditionally slow, inconsistent, and heavily manual, involving multiple departments and repeated data checks while struggling to keep pace with regulatory changes.

How Agentic AI Helps A LangGraph-powered multi-agent system automates the entire credit assessment process while maintaining full sovereignty and regulatory compliance.

Detailed Automated Business Process The workflow begins with an Intake Agent that gathers applicant data from multiple sources. A Risk Assessment Agent analyzes financial history and external signals using sovereign RAG. A Compliance Agent cross-checks against current EU AI Act and FINMA requirements. Only complex or high-risk cases are escalated to human underwriters for final approval.

Potential Business Impact Credit decisions can be delivered significantly faster with higher consistency, reduced operational costs, and stronger auditability.

Call to Action Discover how agentic credit decisioning can transform your lending operations. Book a strategy workshop withour team.

Before implementing Singularity IO's agentic platform, underwriting teams spent up to 40% of their time manually extracting data from PDFs, emails, and legacy systems. This not only slowed down the quotation process but also introduced the risk of human error in critical risk assessment models.

"Singularity IO didn't just give us an LLM; they provided a secure, sovereign orchestration layer that allowed our internal systems to talk to each other autonomously. It fundamentally changed our operational velocity."

Agentic Workflows in Action

Because the platform is deployed on Swiss sovereign cloud infrastructure, all data processing complies strictly with FINMA regulations, ensuring that sensitive client data never leaves the secure perimeter.

By deploying a multi-agent system, the client was able to automate the entire ingestion pipeline. The workflow operates as follows:

  • Intake Agent:Monitors secure inboxes and classifies incoming submission documents.
  • Extraction Agent:Utilizes fine-tuned vision models to extract tabular data from complex policy schedules.
  • Validation Agent:Cross-references extracted entities against internal databases and flags anomalies for human review.
Network infrastructure visualization

Implementation Stack

LangGraphLlama 3 (Self-Hosted)ExoscalePostgreSQLn8n

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Measurable Impact

How Singularity's sovereign agentic workflows transformed operations and delivered concrete ROI for this implementation.

85%
3.2x
$1.5M
99.9%