Agentic AI: strategic impact on processes

Real case: Servopa Consórcios

Unstructured

36 days
(288 h)
  • Manual analysis and approval processes
  • Documents sent by email
  • Lack of traceability and rework between teams
40%

Structured

10 days
(80 h)
  • Centralized information in a single credit application form
  • Standardized checklists and pending-items control
60%

Automated

4 days
(32 h)
  • Integrations with credit bureaus and official sources
  • Automated validation of income, collateral, and documents
  • Real-time risk alerts and notifications
85%

Agentic

2 days
(16 h)
  • AI Agents run income and risk analyses in parallel
  • Contract AI generates documents autonomously
  • Decision Assist AI issues the final recommendation and triggers payment

Example of an orchestrated workflow with AI Agents for the Credit Pipeline

Stage
Pain points
Automated Activities
AI Agents
KYC/KYB Validation

Pain points

Manual checks and rework between teams.

Automated Activities

Compliance AI, Legal AI, Identity Validation AI, and Credit AI validate individual and business data with external sources (IRS/Tax Authority, Serasa, BigDataCorp).

Compliance AI Legal AI Identity Validation AI Credit AI
Financial Analysis

Pain points

Manual interpretation of financial statements and errors in indicators.

Automated Activities

Document AI and Risk Analysis AI read accounting documents, standardize data, and generate liquidity and leverage metrics.

Document AI Risk Analysis AI
Scoring & Decisioning

Pain points

Lack of standardization and risk of human bias.

Automated Activities

Checklist AI validates analysis completeness, and Decision Assist AI applies credit policies, issuing an automated outcome (approved, review, declined).

Checklist AI Decision Assist AI

Meet the AI Agents that automate the entire consumer and business credit pipeline

From identity checks to credit decisioning, each agent supports a phase of the process to ensure speed, compliance, and unbiased decisions.

Agent 1 – Compliance AI (Consumer & Business)

Runs automated compliance checks, PEP screening, and restricted lists for individuals and businesses.

Automated Activities:

• Queries public and private sanctions and PEP databases.
• Cross-checks information with bureaus (UN, Central Bank, Serasa, BigDataCorp).
• Applies internal compliance and privacy policies.

Agent 2 – Legal AI (Consumer & Business)

Validates identity and document authenticity via facial recognition and OCR.
Automated Activities:
• Validates documents with smart OCR.
• Performs biometric comparison with the applicant’s photo.
• Confirms authenticity and registration status in real time.

Agent 3 – Identity Validation AI (Consumer)

Validates identity and document authenticity via facial recognition and OCR.

Automated Activities:


 • Validates documents with smart OCR.
 • Performs biometric comparison with the applicant’s photo.
 • Confirms authenticity and registration status in real time.

Agent 4 – Credit AI (Consumer & Business)

Evaluates the credit history and financial behavior of individuals and businesses.

Automated Activities:

• Queries bureaus (Serasa, Boa Vista, BigDataCorp).
• Analyzes scores and financial restrictions.
• Calculates credit risk based on historical data.

Agent 5 – Document AI

Extracts and standardizes data from accounting and financial documents, converting them into a structured format.

Automated Activities:

• Automatically reads balance sheets and income statements.
• Converts data into structured JSON.
• Sends outputs to risk analysis agents.

Agent 6 – Risk Analysis AI

Analyzes financial metrics and calculates liquidity, leverage, and solvency indicators.

Automated Activities:

• Interprets accounting data.
• Generates financial performance indicators.
• Sends risk reports to the Financial Checklist AI.

Agent 7 – Checklist AI

Consolidates and validates all identity, compliance, and legal checks before the final analysis.

Automated Activities:

• Verifies completeness of KYC/KYB data.
• Identifies inconsistencies and gaps.
• Feeds validated results into Decision Assist AI.

Agent 8 – Finance AI

Ensures the integrity and consistency of financial and accounting information before the final decision.

Automated Activities:

• Validates submission of documents and statements.
• Checks consistency between tax and financial data.
• Sends the consolidated assessment to Decision Assist AI.

Agent 9 – Decision Assist AI

Consolidates all outputs from prior agents, applies credit policies, and issues the final decision.

Automated Activities:


 • Analyzes compliance, legal, and financial information.
 • Applies internal policies and approval criteria.
 • Generates an automated outcome (approve, review, or decline).

94% less time for credit analysis

SLA reduced from 36 days to 2 days, with end-to-end automation across the pipeline.

+60% operational efficiency

Automation removed rework and accelerated approvals across stages.

Ver Detalhes

Up to R$ 2 million in annual efficiency gains

Lower administrative costs and higher productivity per credit team.

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Become a Pipefy expert: master building AI agents and take your processes to the next level.

Learn hands-on how to build, automate, and scale end-to-end processes in Pipefy Academy.

What you’ll learn:

Build and organize your processes

Create forms and portals to centralize requests. Structure pipes and cards to track work with clarity and control.

Manage information with ease

Build custom databases and keep your team’s data always up to date and connected.

Automate and accelerate results

Eliminate manual tasks with automations, AI agents, and email tools that work for you.

Analyze and improve your operation

Create reports, interfaces, and dashboards to visualize metrics, spot bottlenecks, and make data-driven decisions.

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Learn to use Pipefy strategically, build your first agent from scratch, and gain autonomy to scale your workflows—and keep scaling with confidence.

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Get answers, learn more, and connect with other specialists.

Join conversations, share best practices, and discover new ways to power up your processes.

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Frequently asked questions

If you need help, we’re here to guide you and provide full support.

What does this process automate?
Pipefy centralizes business credit analysis in a single flow, automating validations, financial analysis, and contract generation with AI.
Does the system replace the credit analyst?
No. AI Agents handle operational tasks and repetitive analyses, while analysts keep oversight and make the strategic decision.
Does Pipefy integrate with credit bureaus and banks?
Yes. There are native and API-based integrations with Serasa, Boa Vista, BigDataCorp, Open Banking, and banking systems.
How does AI ensure data security and compliance?
All data is encrypted and handled in accordance with LGPD and ISO 27001 standards, ensuring confidentiality and full traceability.
Can we configure risk policies and approval rules?
Yes. Criteria, weights, and policies can be customized by credit type, amount, and segment—no code required.
Does Contract Automation AI generate legally valid documents?
Yes. Contracts are digitally signed with ICP-Brasil certification and a complete audit trail.
What average results does AI Studio deliver?
Companies reduce analysis time by up to 94%, gain 60% more efficiency, and save up to R$ 2 million annually.
How long does it take to implement Pipefy’s credit analysis AI Agents and see results?
On average, Pipefy agents can be configured in minutes, and use cases—regardless of focus—show results within up to 20 days. That makes Pipefy the most agile no-code AI solution in the market.
What is the average implementation time?
15 to 20 days, depending on the level of integration and credit operation volume.
Does Pipefy provide performance and risk reporting?
Yes. The platform generates auditable dashboards and reports with SLA, risk, and operational efficiency indicators.

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