Scale your credit program
with automated
decisions.

ConfIA is the end-to-end automation platform that digitizes every stage of your credit process, with control, traceability, and no IT dependency.

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What is ConfIA

Processes that took hours or weeks, now possible in minutes.

Precision, speed, and control in a single platform. Activate customers, enrich profiles, and automate credit decisions — with no manual intervention.

  • No more slow, manual, or inconsistent evaluations.
  • No relying on the tech team to update your policies or rules.
  • No need to grow your operations team to process more applications.
What is your tax ID?
71023645711:15 AM
Analyzing your profile...11:16 AM
Credit approved!11:17 AM
SRI Tax Queryv2
🇪🇨ECU-PUB-0042
2 at least one
IESS Pensionsv1
🇪🇨ECU-PUB-0060
1 required
No records in Judiciary Council
No outstanding debt with SRI
🟡Not registered as IESS employee
Decision:
Approved
CONFIA MODULES

Activate, enrich, and decide.
No friction, no delays.

What is your tax ID?
71023645711:15 AM
Analyzing your profile...11:16 AM
Credit approved!11:17 AM

Digital onboarding

Reduce friction and accelerate placement from the first contact.

SRI Tax Queryv2
🇪🇨ECU-PUB-0042
2 at least one
IESS Pensionsv1
🇪🇨ECU-PUB-0060

We enrich profiles

Better decisions, lower risk, and automatic regulatory compliance.

No records in Judiciary Council
No outstanding debt with SRI
🟡Not registered as IESS employee
Decision:

We automate the decision

More consistent approvals, fewer errors, and less analysis time.

Results

Numbers that speak for themselves.

Real results from institutions already using ConfIA.

0%
Reduction in approval time

From days to minutes with automated decisions.

0%
Fewer manual reviews

Process more applications without growing your operations team.

0%
Lower default rates

Better decisions protect your portfolio health.

|SUCCESS STORY

Today PayJoy processes +70K applications per month with automated decisions powered by ConfIA.

About PayJoy

PayJoy is a fintech that offers consumer credit in emerging markets, enabling customers to access smartphones and financed products.

Integrations

Connects to your existing stack.

ConfIA integrates with core banking systems, bureaus, data providers, and payment processors. Open APIs for anything custom.

Ready to automate your credit operation?

Talk to our team and see ConfIA in action.