Global Technologies

AI-Powered Mortgage Process Automation for Fintechs

Overview

At Global Technologies, we help financial and Fintech organizations in the UAE automate their loan quality and credit verification processes using Artificial Intelligence (AI) and Robotic Process Automation (RPA).

Our goal to eliminate manual steps, reduce processing time, and enhance accuracy across your mortgage and credit operations, while ensuring full compliance with UAE Central Bank and Al Etihad Credit Bureau (AECB) regulations.

What We Do

We don’t sell a pre-built product, Instead, our team designs and develops custom automation solutions tailored to your unique workflows.
Once we understand your existing loan or credit process, we build an intelligent automation system that can:

🔍 Retrieve Credit Reports Securely
Log into AECB or other authorized data sources automatically.
📊 Validate Debt Burden Ratio (DBR)
Calculate DBR or DTI based on income and liabilities to meet CBUAE standards.
⚙️ Perform Quality Checks
Detect inconsistencies in loan data, credit reports, or disclosures in real time.
📨 Automate Notifications & Reports
Send updates and compliance reports to authorized staff automatically.
🔐 Stop Redundant Monitoring
Deactivate credit tracking once approvals are complete, saving cost and effort.

Why Fintechs Choose Global Technologies

Customized Development: We create automation specifically for your systems and regulatory environment.
UAE Compliance Ready: Fully aligned with AECB and Central Bank standards.
Faster Processing: Reduce loan audit time by up to 90%.
Error-Free Operations: 100% accuracy in rule-based transactions.
Scalable & Secure: Built with enterprise-grade security and flexible architecture.

🔄 How the Credit Process Worked Earlier vs. With AI

How it was done earlier Vs with AI-

Before automation, most UAE banks and fintech companies handled the loan quality and credit verification process manually.
This involved a lot of human effort, repetitive tasks, and risk of error.

Below is a step-by-step comparison showing how it was done earlier and how AI simplifies it now 👇

🔍 Retrieve Credit Reports Securely

Earlier (Manual Process):

Staff logged into the Al Etihad Credit Bureau (AECB) portal manually for each customer.
Entered Emirates ID, consent code, and other details individually.
Downloaded the credit report as a PDF and attached it to the customer file.
Data entry staff retyped or copied values like credit score, liabilities, and payment history into internal systems.

Problems:

Very time-consuming (5–10 minutes per applicant).
Prone to data-entry mistakes.
No real-time monitoring or audit trail.

Now (AI-Powered Automation):

The AI bot logs into AECB securely using encrypted credentials.
It automatically retrieves the credit report or score via API or secure browser automation.
Extracts relevant fields (credit score, liabilities, existing loans) using AI OCR and enters them directly into the mortgage system.

Benefit:
✅ Process takes seconds instead of minutes.
✅ Eliminates human error.
✅ Provides a digital audit trail for compliance.

📊 Validate Debt Burden Ratio (DBR)

Earlier (Manual Process):

Loan officers or analysts manually calculated DBR using Excel.
Data for income and liabilities was copied from multiple documents — salary certificates, credit reports, and bank statements.
Any miscalculation could cause non-compliance with CBUAE’s 50% DBR limit.

Now (AI-Powered Automation):

AI retrieves income and debt values automatically from system data.
It applies CBUAE-compliant DBR formula:
DBR=TotalMonthlyObligationsGrossMonthlyIncome×100DBR = \frac{Total Monthly Obligations}{Gross Monthly Income} \times 100DBR=GrossMonthlyIncomeTotalMonthlyObligations×100
Flags any application exceeding the threshold.
Generates a dashboard of all applicants with risk indicators.

Benefit:
✅ 100% accurate and consistent calculations.
✅ Real-time validation across thousands of applications.
✅ Easy regulatory compliance.