How to assess creditworthiness in 5 minutes? Inbank specialist explains the process
Inbank Credit Sales Manager Ingūna Krieva explains how rapid digital assessment allows a credit decision to be made in just minutes while still conducting a thorough solvency analysis.
Quick digital credit assessment may seem convenient, but many wonder whether a decision made in a few minutes is sufficiently reliable. Ingūna Krieva, Credit Sales Manager at Inbank, provides insight into the process that takes place “behind the screen” to verify a client’s ability to repay.
She explains that from the moment a person submits an application for a home loan until they receive an individual offer, only a few minutes pass. If the decision is positive, the money is credited promptly without unnecessary delay. The assessment relies on digital tools that analyze the client’s financial data in real time, allowing the bank to make a responsible decision without sacrificing speed.
Despite being automated, the process is not superficial — each application is carefully evaluated according to the bank’s internal procedures. This approach combines the convenience of technology with thorough risk management, providing clients with fast and reliable service.
