How ProCredit BiH runs micro lending on one record.

A micro loan application used to live in several places at once: a branch conversation, an email thread with attachments, a spreadsheet of financial ratios built by hand, and a queue of files waiting for an analyst. The customer saw none of it — applying meant handing over documents and waiting.

The engine came first: AI-assisted credit analysis — the technology that became Vincu Decision. Application data and documents flow into a structured financial analysis and a risk classification, with every recommendation written down with its reasoning. Credit staff review, adjust and sign off; the system assists, people decide.

Around the engine, the relationship layer: customers apply, upload documents and track status through the portal; documents move through controlled, logged exchange instead of email; and every request becomes one case that front office, analysis and credit decision work together.

The platform connects to the national credit registry and company registers in Bosnia and Herzegovina, with consent captured and logged before any query is made.

The bank runs its own deployment with bank-specific configuration — products, registry connections, language and rules. The rollout was incremental: the bank started where decisions were slowest and expanded module by module, rather than a big-bang replacement of existing systems.

Applications arrive structured and complete instead of as attachments. Analysis that was manual is now consistent and explainable. Each case carries its own audit trail — who saw what, what was decided and why — so answering an auditor means opening the record, not reconstructing it.