GLFL • SAMA-Licensed Leasing Company
Step Library and Activities
AI-Agent Driven Process Building Blocks
AI Agent Steps
15
Manual Steps
3
Activities
11
Extract Lease Application Data
Document Extractor
AI-DOC-001
Credit Risk
AI extracts structured data from SME equipment lease application forms using OCR and NLP
30 seconds
1 inputs
3 outputs
3 exceptions
GPT-4 Vision + Azure Form Recognizer
98.5% confidence
AI
OCR
Data Extraction
Automation
Extract ID Document Data
Document Extractor
AI-DOC-002
Credit Risk
AI extracts identity information from authorized signatory National ID or Iqama
20 seconds
1 inputs
5 outputs
3 exceptions
Custom ID Recognition Model
99.2% confidence
AI
Identity Verification
KYC
SAMA Compliance
Extract Business Financial Documents
Document Extractor
AI-DOC-003
Credit Risk
AI extracts business revenue and financial information from CR, VAT filings, and bank statements
45 seconds
2 inputs
5 outputs
2 exceptions
Financial Document AI
96.8% confidence
AI
Business Verification
Financial Analysis
Validate Application Data
Data Validator
AI-VAL-001
Credit Risk
AI validates extracted application data for completeness, consistency, and business rules
15 seconds
1 inputs
3 outputs
2 exceptions
Rule-based AI Validator
99.5% confidence
AI
Validation
Data Quality
Cross-Verify Signatory Identity
Data Validator
AI-VAL-002
Credit Risk
AI cross-verifies signatory identity data across application, ID document, and Wathq business registry
25 seconds
3 inputs
3 outputs
2 exceptions
Identity Cross-Verification Engine
97.3% confidence
AI
Identity
KYC
Fraud Prevention
Calculate Business Credit Score
Credit Scorer
AI-RISK-001
Credit Risk
AI retrieves and interprets Business Credit Score with risk categorization
10 seconds
2 inputs
4 outputs
3 exceptions
Business Credit Bureau Integration API
99.9% confidence
AI
Credit Scoring
Business Credit Score
SAMA
Calculate Revenue Coverage Ratio
Risk Analyzer
AI-RISK-002
Credit Risk
AI calculates Revenue Coverage Ratio per SAMA regulations
20 seconds
3 inputs
3 outputs
2 exceptions
Financial Calculator AI
98.7% confidence
AI
Revenue Coverage Ratio
Affordability
SAMA Compliance
Assess Equipment Value
Risk Analyzer
AI-RISK-003
Credit Risk
AI assesses equipment value and calculates lease-to-value ratio
2 minutes
3 inputs
4 outputs
2 exceptions
Equipment Valuation AI
94.2% confidence
AI
Equipment
LTV
Equipment Valuation
AML/CFT Screening
Compliance Checker
AI-COMP-001
Legal
AI screens lessee against AML/CFT watchlists and sanctions lists per SAMA guidelines
30 seconds
3 inputs
3 outputs
2 exceptions
AML Screening Engine
99.8% confidence
AI
AML
Compliance
SAMA
KYC
Detect Fraud Indicators
Fraud Detector
AI-FRAUD-001
Credit Risk
AI detects potential fraud indicators using pattern analysis and anomaly detection
40 seconds
3 inputs
3 outputs
3 exceptions
Fraud Detection Neural Network
96.5% confidence
AI
Fraud Detection
Risk Management
Auto-Decision Engine
Decision Engine
AI-DEC-001
Credit Risk
AI makes automated lease decision based on policy rules and risk factors
10 seconds
5 inputs
4 outputs
2 exceptions
Credit Decision Tree + Neural Network
97.8% confidence
AI
Decision Engine
Automation
Credit Policy
Generate Approval Letter
Document Generator
AI-GEN-001
Operations
AI generates lease approval letter with terms and conditions in Arabic and English
15 seconds
3 inputs
3 outputs
2 exceptions
Document Generation AI
99.2% confidence
AI
Document Generation
Automation
Generate Rejection Notice
Document Generator
AI-GEN-002
Operations
AI generates SAMA-compliant adverse action notice with rejection reasons
15 seconds
2 inputs
2 outputs
1 exceptions
Document Generation AI
99.5% confidence
AI
Document Generation
SAMA Compliance
Quality Review Process
Quality Reviewer
AI-QA-001
Credit Risk
AI performs quality review of completed application processing
25 seconds
2 inputs
3 outputs
2 exceptions
Quality Assurance AI
95.8% confidence
AI
Quality Assurance
Process Review
Enrich Business Profile
Data Enricher
AI-ENR-001
Credit Risk
AI enriches business profile with external data sources and predictive insights
35 seconds
2 inputs
3 outputs
1 exceptions
Data Enrichment Engine
93.5% confidence
AI
Data Enrichment
Business Intelligence
Manual Document Review
Review
MANUAL-001
Credit Risk
Human analyst manually reviews documents that AI could not process
30 minutes
2 inputs
2 outputs
1 exceptions
Manual
Document Review
Fallback
Credit Committee Approval
Approval
MANUAL-002
Credit Risk
Credit committee reviews and approves high-value or exception cases
2 hours
3 inputs
3 outputs
1 exceptions
Manual
Approval
Committee
High Value
Senior Analyst Review
Review
MANUAL-003
Credit Risk
Senior credit reviewer reviews borderline or complex cases
1 hour
2 inputs
2 outputs
0 exceptions
Manual
Review
Expert Analysis