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Liberis rolls out Ada, an AI underwriting agent

Tuesday 3 June 2025 13:11 CET | News

Liberis, a global Embedded Finance company, has announced the launch of its AI underwriting agent, Ada, developed to improve decision-making. 

Focusing on supporting underwriting teams by mitigating repetitive manual tasks and accelerating funding decisions for businesses, Ada, the newly rolled out AI agent, aims to advance automated credit decisioning. Developed in-house by Liberis’ AI development teams, the AI underwriting agent integrates and analyses financial, compliance, and digital footprint data in real-time. Afterwards, Ada automatically surfaces key risk factors, trends, and anomalies to assist human underwriters. Additionally, the solution learns from underwriter feedback and augments decision accuracy over time.

Liberis rolls out Ada, an AI underwriting agent

 

Optimising decision-making

Since 2019, Liberis has been investing in AI, with 85% of its financing decisions already being automated. Yet, manual underwriters are leveraged for more complex cases and in these scenarios, underwriting accounts for approximately 48% of application processing time. By launching Ada, Liberis seeks to directly mitigate these inefficiencies by automating data analysis across several sources, including Open Banking data, Companies House records, credit bureau information, and digital footprint indicators.

The system’s architecture includes five integrated layers:

  • Data ingestion, where raw data is standardised, validated, and enriched;

  • Feature engineering, with Ada converting this data into structured signals utilised for risk assessment;

  • Decision support, with the AI agent leveraging business rules and model outputs to generate risk summaries, suggested actions, and confidence scores;

  • Human feedback loops, with underwriters reviewing Ada’s recommendations and making the final decision. Interactions are then recorded to improve business logic and model parameters;

  • Delivery systems where key insights are surfaced through Liberis’ Vector platform. 

Furthermore, early projections underlined that Ada is set to provide a 50% reduction in manual decision time for complex cases, while also optimising accuracy by correcting for human bias and blind spots. Additionally, to expose hidden risks, Ada is being trained on previously approved applications where merchants later defaulted. At the same time, the system is being leveraged to reassess declined applications to determine whether any customers were unfairly rejected from lending. 

Liberis’ development strategy

Ada’s introduction represents the first phase of Liberis’ broader development strategy to create a multi-agent orchestration platform. As the company pursues its expansion targets and onboards new partners, this modular AI system seeks to offer the operational scalability needed to manage deal complexity without proportional overhead raises. Also, the move highlights Liberis’ strategic investment in data maturity and AI capabilities, utilising stable large language models and data integrations to meet the demand for efficient, lower-risk funding decisions.

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Keywords: AI agents, artificial intelligence, financial services, real time monitoring, underwriting
Categories: Banking & Fintech
Companies: Liberis
Countries: World
This article is part of category

Banking & Fintech

Liberis

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