The AI platform for building any origination process.

Neobits is an AI platform-as-a-service for banks. Design, automate and run any origination process, from loans to onboarding, on secure, compliant infrastructure.

Explore Originate

100k+CustomersProcessed

99.9%ServiceUptime

<10 msDecisionLatency

One platform, built around AI. Originate runs the customer relationship, Fuse gathers the data, Logic makes the decision, and agents do the busywork in all three.

Originate

The workspace for loan origination: customers, deals and documents in one place.

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Contacts30 records

NameCompanyStatusSource Next step

Kari NordmannEquinor ASALinkedIn

Ola HansenDNB ASAReferral

Silje PettersenTelenor ASAWebsite

Magnus EriksenYara InternationalEvent

Hanne JohansenSchibsted ASALinkedIn

Bjorn SvendsenMowi ASAReferral

Sort and filter in a click.

Slice contacts, companies and deals any way your team works.

Sorted by value

Status is open

DealValue, NOK

Mowi Fish Farm950 000

SpareBank 12 800 000

Kahoot! School750 000

Vipps Payments2 000 000

Aker Solutions1 600 000

Schibsted Media540 000

Equinor Energy3 100 000

Shape it your way.

Describe the object you need and the agent builds it, fields and all.

No objects yetApplications, customers, loans: shape it your way.

ApplicationsNew object

ApplicantText

AmountCurrency · NOK

TermMonths

Interest ratePercent

StatusSelect

Write a message…

A CRM shaped like your lending business. Contacts, companies, deals or objects of your own, with agents suggesting the next step for every record.

Documents Upload

EARNINGSNET PAY

Payslip 09.2025.pdfUploading…

Income Verification

Asset Verification

Credit & Liabilities

Borrower Identification

Agent

Filed in Income Verification on Kari Nordmann

Every customer, one record.

Deals, value and satisfaction, always up to date.

Won deal value

0NOK

Linked deals

0

Satisfaction

Customer for

0months

Last contact

0days ago

Open tasks

0

Documents

0

Know the customer in seconds.

An AI summary of the relationship on every record.

OHOla HansenHead of Digital Banking · DNB ASA

Status: Customer
Source: Referral
Owner: Ingrid Hansen

Summary

Book a renewal meetingSuggested

Paperwork, handled. Upload anything. Agents classify it, pull out the numbers and file it on the right customer.

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Fuse

A single source for your data: every registry and bank behind one lookup.

Ask Fuse anything

Questions about applicants, lookups and registries, answered from live data.

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One profile, every registry.

Folkeregisteret, Skatteetaten, Gjeldsregisteret and more, checked in parallel.

Integration healthKari Nordmann · 230487

Folkeregisteret182 ms

Skatteetaten264 ms

Gjeldsregisteret1.2 s

Løsøreregisteret205 ms

Bank accounts (PSD2)390 ms

Live, at a glance.

Lookups, match rates and response times as they happen.

Lookups, last 24 h

0

+8.2% from yesterday

Identity match rate

0.0%

Records linked to one profile

14 days agotoday

Answers, straight from the source. Ask in plain language. The agent searches every registry and answers with numbers you can check.

Agent

Unsecured debt check

Agent editsRevertAccept

Ask the agent

Describe a change and the agent edits this lookup for you.

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Input

Application

Integration

Skatteetaten

Integration

Gjeldsregisteret

For each

gjeld.loans

!loan.secured

sum(balance)

Compare

≤ 30% of income

Switch

compare.passed

default

Output

Within limit

Output

High debt67%

Agent

Unsecured debt check

Agent editsRevertAccept

Ask the agent

Describe a change and the agent edits this lookup for you.

Write a message…

Drag, drop, done.

Prefer to build by hand? Every step is a component.

SwitchBranch on one or more conditions.

For eachRun the nodes inside once per item.

ParallelRun branches at the same time.

FallbackTry another source when one fails.

Customers in the loop.

Pause for BankID, consent or a bank connection, then carry on automatically.

Link sent by SMS

User action

SBL consent 7 days

Completed

Declined

Expired

Fetch bank accountsPSD2

Describe the check. The agent builds it. New sources, loops and branches in seconds, tested on a sandbox applicant before you accept.

Explore Fuse

Logic

The visual decision engine: credit policy you can read, test and ship.

Agent

Debt ratio check

Agent editsRevertAccept

Ask the agent

Describe a policy change and the agent edits this decision for you.

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Input

request

Switch

applicant.age >= 18

applicant.age < 18

Decision Table

Risk grade

Expression

Decline reason

Output

response

Agent

Debt ratio check

Agent editsRevertAccept

Ask the agent

Describe a policy change and the agent edits this decision for you.

Write a message…

Rules your team can read.

Decision tables turn credit policy into rows anyone can review.

credit score 652debt ratio 3.4

Risk grade

Credit scoreDebt ratioGrade

≥ 700< 3A

≥ 600< 4B

< 600anyC

Risk grade B

Logic you can see.

Expressions evaluate against real applicant data as you type.

Decline reason

debt.total2 650 000

applicant.income480 000

true→ routed to Decline reason

Change policy in a sentence. The agent edits the decision graph, validates every expression and waits for your approval.

Executions Livep95 1.2 ms · 99.97% success

DecisionStatusVersionEnvironmentPerformanceTime

Loan approval#3f9a1cSUCCESSv7Production412 µsjust now

Loan approval#b72e05SUCCESSv7Production398 µs2s ago

Mortgage affordability#4b7c60SUCCESSv12Production2.4 ms4s ago

Car loan pricing#90fa21SUCCESSv3Staging331 µs6s ago

Card limit increase#c3d8e7SUCCESSv9Development276 µs8s ago

Loan approval#6a14f2SUCCESSv7Staging455 µs10s ago

Mortgage affordability#e05b93FAILEDv12Production2.8 ms12s ago

KYC risk rating#81cd4aSUCCESSv4Production1.2 ms14s ago

Promote with one click.

From development through QA to production, each with its own version.

Developmentv8

QA

Staging

Preprod

Production

Loan approval v8 is live in production

Microsecond decisions.

Every execution logged, with latency you can measure.

Loan approval · median execution

0µs

60 min agonow

From draft to production in minutes. Version, promote and watch every execution in real time.

Explore Logic

The All-in-One Advantage. When used in unison, our products provide a more powerful and seamless experience.

Originate

BNK.

100 000 NOK

National ID number

I agree to the terms and conditions

Originate starts the process.

Our comprehensive loan origination system handles CRM, workflows, and case management. Users begin by selecting their loan amount and entering basic information like their national ID number to initiate the application process.

Fuse

BNK.

Fetching data...

Powered by neobits.

Fuse gathers data.

Users are seamlessly redirected to our data gathering system, where Fuse securely collects and verifies financial information needed to complete the loan application process.

Originate

BNK.

Great! Here's what we found.

Income

672 000 NOK

Mortgages

3 040 000 NOK

Car loans

203 400 NOK

Originate closes the deal.

With all data verified, users return to Originate to review and finalize their application. The integrated workflow ensures a smooth handoff and successful loan completion.

Application funnel
Share of started applications
Before
With Neobits

Ikano Bank application funnel, share of started applications
Stage	Before	With Neobits
Started	100%	100%
Documents	54%	92%
Credit check	38%	71%
Signed	21%	46%

Case Study

Ikano Bank. No more drop-offs over documents.

Ikano Bank's Norwegian branch uses the Neobits API to fetch, verify and structure customer data, so applicants no longer drop off over missing or incorrect documents.

Let us take charge of your loan origination.

Our specialists set up our products for you, or help you build your own from our components.

Company

Developer

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Products

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