ai innovation workshop:
Consumer applications are high volume with little tolerance for delay, and the files that stall are rarely the simple ones — they are the ones where somebody other than the borrower is signing and the authority has to be read out of a legal instrument.
Trusted by financial institutions across banking, lending & credit
The Document Burden
Five document types cover the consumer decisioning file, from income evidence through signing authority, each with its own extraction page.
Consumer underwriting is mostly a volume problem until it isn’t. Paystubs and Indian salary slips are the routine input — employer name, gross pay for the period, and pay frequency, repeated across thousands of applications a month.
The exceptions are what hold up a queue. A Powers Of Attorney instrument, a Trust Agreement, or a Guardianship Or Conservatorship order arrives whenever someone other than the borrower is signing, and each one has to be read for the principal, the appointed agent or trustee, and the scope of what that person may do — work a reviewer normally does line by line.
Documents We Process
Every document below has a dedicated extraction page. This list is generated from Uptiq's Document AI registry, not hand-picked.
| Document | What Uptiq extracts |
|---|---|
| Guardianship Or Conservatorship | Extracts Appointing Court, Case Number, Protected Person + 5 more fields |
| Paystubs | Extracts Employer Name, Gross Pay (Period), Pay Frequency + 3 more fields |
| Powers Of Attorney | Extracts Principal, Agent / Attorney-in-Fact, Powers Granted + 5 more fields |
| Salary Slip Indian | Extracts Gross Salary (Month), Net Pay (Month), Basic Salary + 5 more fields |
| Trust Agreement | Extracts Trust Name, Settlor / Grantor, Current Trustee + 5 more fields |
How It Works
Applicants upload pay documents and any signing-authority paperwork straight into the application flow you already run.
A Trust Agreement, Powers Of Attorney, or Guardianship Or Conservatorship order is recognized on sight and routed to exception review.
Employer, gross pay, and pay frequency come off the stub; principal, agent, and powers granted come off the instrument.
Pay frequency is reconciled against pay dates, and the named agent or trustee against the person actually signing.
Annualized income and a signing-authority summary are assembled so the reviewer opens a file that is ready to work.
Structured fields post into your LOS, core, and CRM in the shape your decisioning rules already expect.
Proven at Scale
Results represent aggregate outcomes across production deployments. Individual results may vary.
Key Benefits
Volume clears faster when routine Paystubs are read automatically and only the signing-authority exceptions reach a human reviewer.
The days normally lost to reading a Trust Agreement or a Powers Of Attorney instrument by hand come straight out of the cycle.
Your consumer decisioning rules keep running where they run today; Uptiq feeds them structured fields instead of replacing them.
Common Questions
Related Industries
Book a 30-minute session. We'll run a live extraction demo on your own consumer lending documents.
Uptiq's AI agents sit above your existing LOS, core, and CRM — no rip-and-replace, with a single agent live in 5 business days.
Bring us the workflow with the most drag. We’ll show you an agent running it.
Join ever-growing community of 500+ Financial Institutions who have harnessed the power of Uptiq Insights.
10900 Stonelake Blvd Bldg II Ste 100, Austin, Texas 78759.
WeWork Futura, Magarpatta Rd, Kirtane Baugh, Magarpatta, Hadapsar, Pune, Maharashtra 411028
© 2026 UPTIQ, Inc. All rights reserved.
