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AI-Powered Loan Origination

Faster Approvals. Smarter Journeys. Built for Trust.
PhotonMatters’ LOS simplifies and accelerates every step - from onboarding to approval - with real-time decisioning, seamless integrations, and intelligent automation.
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LOS

What You Get

Digital Onboarding & KYC
Digital Onboarding & KYC

Frictionless ID verification for individuals and businesses, with biometric and KYC/KYB options.

Smart Application Management

Track, score, and manage applications in real time - powered by rule-based workflows.

Unified Document Hub

OCR, e-sign, and secure vaults - all built in.

Fraud & Risk Intelligence

AI/ML-powered monitoring and real-time fraud detection.

Flexible Approval Logic

Auto/manual routing, scorecards, and role-based approvals - fully configurable.

STP + Exception Handling

Straight-through for low-risk, assisted flows for edge cases.

Actionable Dashboards

Portfolio insights and compliance reporting at your fingertips.

API-First Integrations

Connect easily to bureaus, AML checks, payment systems, CRMs, and more.

API-First Integrations

Automated updates across SMS, WhatsApp, and email.

Omni-Channel Engagement

Full borrower lifecycle tracking from a single interface.

Digital Onboarding & KYC

Smart Application Management

Unified Document Hub

Fraud & Risk Intelligence

Flexible Approval Logic

STP + Exception Handling

Actionable Dashboards

API-First Integrations

Omni-Channel Engagement

Built-In CRM View

Built for lenders who won’t settle for slow.

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Digital Onboarding & KYC
Digital Onboarding & KYC

Frictionless ID verification for individuals and businesses, with biometric and KYC/KYB options.

Smart Application Management
Smart Application Management

Track, score, and manage applications in real time - powered by rule-based workflows.

Unified Document Hub
Unified Document Hub

OCR, e-sign, and secure vaults - all built in.

Fraud & Risk Intelligence
Fraud & Risk Intelligence

AI/ML-powered monitoring and real-time fraud detection.

Flexible Approval Logic
Flexible Approval Logic

Auto/manual routing, scorecards, and role-based approvals - fully configurable.

STP + Exception Handling
STP + Exception Handling

Straight-through for low-risk, assisted flows for edge cases.

Actionable Dashboards
Actionable Dashboards

Portfolio insights and compliance reporting at your fingertips.

API-First Integrations
API-First Integrations

Connect easily to bureaus, AML checks, payment systems, CRMs, and more.

Omni-Channel Engagement
Omni-Channel Engagement

Automated updates across SMS, WhatsApp, and email.

Built-In CRM View
Built-In CRM View

Full borrower lifecycle tracking from a single interface.

Group (8)
Built for lenders who won’t settle for slow.

PhotonMatters LOS is where intelligence meets velocity.

Built for lenders who won’t settle for slow

PhotonMatters LOS is where intelligence meets velocity

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