OutSystems, a leading Agentic Systems Platform, has extended its Agentic Industry Solutions portfolio for banking with a new offering designed to help financial institutions modernise consumer lending by uniting customer-facing applications, governed agents and deterministic workflows within a single, adaptable system.
OutSystems Agentic Loan Applications sits on top of a bank’s existing systems, anchoring its agents in the institution’s own operational context, including its policies, systems and dependencies. This grounding is intended to make the agents more efficient and accurate, while ensuring every lending decision stays under the bank’s control.
Financial institutions are increasing their investment in AI but are under growing pressure to turn that investment into measurable returns, shifting from experimentation towards high-impact customer journeys, all without compromising the governance, auditability and human oversight demanded by a heavily regulated sector.
Many lending journeys are still weighed down by long forms, manual document gathering, repeated data entry and disjointed handoffs, which slow down loan officers and raise the likelihood of applicants abandoning their applications. Institutions are therefore having to balance smoother, faster customer experiences with the reproducible, auditable operations that risk and compliance teams require.
Agentic Loan Applications brings together mobile and web applications, data models, governed agents and deterministic workflows to tackle the manual, paperwork-heavy elements of lending decisions.
The system guides applicants through an agent-assisted journey that captures and verifies documents, carries out identity and sanctions screening, and assembles a full application ready to pass into the bank’s existing loan origination system.
Every agent is tested against dozens of evaluation criteria, covering areas such as relevance, accuracy and protection of personal data, before it reaches production, and agents are re-tested whenever a model, prompt or tool is changed to make sure they continue to operate within their guardrails.
OutSystems also assessed multiple models through Amazon Bedrock, selecting those that deliver strong performance at up to 82% lower cost, while allowing banks to configure the system around their own products, policies and existing infrastructure and retain control of their data.
Luis Blando, OutSystems CPTO, said, “Banks do not need more isolated agents. They need governed agentic systems that improve real customer journeys and can stand up to risk review. OutSystems brings agents into auditable workflows so institutions can move beyond isolated pilots and apply AI to complex lending journeys with the oversight the industry requires.”
Mike Reynolds, Business Technology Executive at KeyBank, said, “Hope is not a governance strategy. As AI adoption accelerates, banks need full visibility into how agentic solutions are built, what data they’re accessing, and how they’re being used.
“Striving for centralised governance layers provides the oversight, auditability, and controls necessary to innovate confidently while staying within regulatory guardrails.”
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