The future of financial AI: Insights from Ocrolus leadership on 2025 trends
As we approach 2025, artificial intelligence (AI) continues to reshape financial services, driving innovation in lending. At Ocrolus, we’re proud to be at the forefront of this evolution, empowering lenders with AI-driven tools for faster, smarter and more accurate decision-making.
We asked Ocrolus CEO Sam Bobley and COO Vik Dua to share their perspectives on what’s next for AI in financial services and how these trends will redefine lending in the coming years. Here’s what they had to say.
Mortgage lending: Where automation meets human expertise
The mortgage industry is poised for significant growth in leveraging AI, but it’s clear that automation alone isn’t enough. Just a few years ago, mortgage underwriting was fully manual. With financial AI, some organizations have experimented with full automation, with mixed success.
In 2025, Vik expects lenders to adopt a balanced approach, leveraging AI for tasks it excels at, like document classification and data calculations, while relying on human expertise for nuanced decisions. This combination allows AI to handle tedious work, enabling underwriters and loan officers to focus on borrower-specific adjustments, approve more loans, and build stronger client relationships. The human-in-the-loop remains essential for guiding AI-powered underwriting effectively.
Small business underwriting: A shift toward cash flow insights
Over the past year, Ocrolus has helped partners lower customer acquisition costs by leveraging cash flow data earlier in the small business funding funnel - a trend expected to grow into 2025. Sam believes that cash flow data provides a fuller financial picture than credit checks alone, but its complexity once made it impractical for early funnel use.
With AI-powered document analysis, funders now reduce reliance on credit checks, improve cost per decline, and identify higher-quality borrowers. As open banking regulations expand access to banking data, more funders are likely to adopt a cash flow-first underwriting process.
Looking ahead: The road to 2025 and beyond
Sam and Vik both agree that the role of AI in financial services is just beginning to unfold. As these technologies advance, lenders will gain access to more innovative solutions to address inefficiencies, reduce costs and improve decision quality.
Ready to unlock AI's full potential in finance? Let Ocrolus help revolutionize your operations with transparent, scalable, human-centric solutions.
About Ocrolus Ocrolus is a document AI platform that enables financial institutions to make faster, more accurate decisions. The company analyzes documents with over 99% accuracy, regardless of format or quality, supporting a wide variety of document types, including bank statements, pay stubs and tax forms. Ocrolus provides over 500 customers with a trusted solution to classify documents, analyze cash flows and income and detect fraud. Visit ocrolus.com to learn more.