Where it breaks
Documents are keyed in by hand. Invoices, notices, and approvals are typed, checked, and chased manually.
Intelligent automation
One engine. Any process.
NICO is an agentic orchestration platform that automates business processes end-to-end, from document ingestion to downstream processing. If a process runs on documents and decisions, NICO can automate it.
For banks, NBFCs, and operations teams
What changes
Documents processed automatically. NICO Intelligence reads and checks each document, rules route approvals, and every step is logged.
How NICO works
Step 1
Receive
Documents arrive by email, upload, or API.
Step 2
Read
NICO Intelligence classifies documents and extracts contextual data.
Step 3
Check
Validate against your rules, masters, and limits.
Step 4
Resolve
NICO Intelligence handles exceptions that need human judgment.
Step 5
Approve
Route to the right decision-makers with complete context.
Step 6
Complete
Post to your systems and log every step.
Built in
Predictable
Defined processes follow the same path, every time.
Explainable
Every NICO Intelligence step shows what it read and how it decided.
Auditable
A complete log of every document, check, and step.
Use cases for banks & NBFCs
One engine. Any process.
Lender notices
Read incoming notices, extract key details and deadlines, and route each one to the correct team.
KYC verification
Extract and cross-check data from identity and address documents, and flag mismatches for review.
Application processing
Capture data from loan applications and supporting documents, and auto-check each file for completeness.
Complex workflows
Route credit, deviation, and exception workflows with complete context and audit trail.
Invoices and accounts payable
Capture vendor invoices, validate them against your rules, and post them to your ERP.
Your process
Show us your manual workflow. We will show you how NICO automates it.
NICO SaaS
Get started immediately with ready-made workflows.
NICO Enterprise
Custom workflows, integrations, and deployment for large organisations.
Across the credit journey
Prospect & engage
KYC and onboarding document processing
Originate & sanction
Approval workflows and routing
Disburse & enable
Document checks and processing
Audit & report
Every human, system, and agentic action logged
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