Scheduled Commercial Bank
Bureau Integration in 3 Weeks for a Regional Bank
A regional bank with 50+ branches integrated CIBIL, Equifax, and CRIF High Mark pulls through AgenticLending's unified API — replacing a fragmented manual process that required separate logins and manual data entry for each bureau.
The Challenge
What They Were Facing
The bank's credit officers were pulling bureau reports manually — logging into separate portals for CIBIL, Equifax, and CRIF, then re-keying data into spreadsheets. Each pull took 15-20 minutes per applicant, per bureau. Reconciling conflicting scores across bureaus was ad-hoc and inconsistent. The IT team had attempted direct API integration twice over 18 months but stalled on format differences and authentication complexity across the three providers.
The Approach
How AgenticLending Was Deployed
AgenticLending's Bureau Integration module was deployed as a single REST API endpoint that orchestrated pulls from all three bureaus simultaneously. The platform normalised response formats, reconciled conflicting data points, and generated a unified bureau summary with source attribution for each data element. Integration required only webhook configuration in the bank's existing LOS — no changes to core banking.
The Outcome
What Changed
Full three-bureau integration was live across all 50+ branches within 3 weeks. Bureau pull time dropped from 15-20 minutes per bureau to a single API call returning all three reports in under 30 seconds. Credit officers received a unified view with conflict flags, eliminating manual reconciliation entirely.
“We spent 18 months trying to build bureau integration ourselves. AgenticLending had us live in three weeks — all three bureaus, all branches, one API call.”
— CTO, Regional Bank (sample)
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