For FSI Autonomous decisioning

Auto Decisioning.

Turn any role in any financial‑services process into an Agentic AI co-worker.

Compliant by design — every decision Auditable, Explainable, Governed.

01 Proof Live in production · Global FSI

Delivering Zero-Touch to leading global FSI players.

LiteCone auto-decides. Autonomously. Reliably. Always — with a full audit trail your regulator can read.

1+ year
In live production
Not days. Not weeks. Not a pilot. Real FSI teams use LiteCone today.
FSI-wide
Proven across the industry
Auto-decisioning enabled for insurance, banking, lending, and capital markets.
MAS
Pathfinder validated
The Asian regulator's framework. Vouched by the customer, verified by the authority.
Your cloud
Data privacy, fortified
Deployed in your own cloud account. Your data never leaves your environment.

*MAS — Monetary Authority of Singapore.

02 LiteCone Agentic AI Workforce

Agentic AI Co-worker for every role.

Each LiteCone agent owns one role in a financial-services process — live, in pilot, or rolling out. The roster keeps growing.

AURA
Intake & Submissions Specialist
Insurance · Banking · Capital MarketsKnow more
LEO
Life Insurance Underwriter
InsuranceKnow more
ERIC
Health Insurance Underwriter
InsuranceKnow more
RIO
Commercial Insurance Underwriter
InsuranceKnow more
ALEX
Credit Underwriter
ARIS
Health Claims Adjudicator
InsuranceKnow more
MARC
Life Claims Adjudicator
InsuranceKnow more
NINA
Life Insurance Product Configurator
InsuranceKnow more
ELSA
Investment Research Analyst
Capital MarketsKnow more
IRIS
Revenue Integrity Analyst
HealthcareKnow more
+ More Agentic AI co-workers in build — across claims, servicing, KYC, collections and beyond.
Customer proof · Live in production
Year on year our business grows 15–20%. I don't have to add 15–20% underwriters every year. From a million to two million customers, I might still not incur additional cost of underwriting. This is a scalable model for us.
Chief Underwriting Officer
Top life carrier · 1+ year in live production
03 Zero-Touch Industry first

Zero-Touch processing for FSI.

Volumes grow. Queues grow. Decision fatigue grows. Operating costs grow. Every FSI runs on decisions at scale.

Straight-Through Processing clears the clean files at machine speed. Everything else falls out to manual and waits in a queue for a human.

LiteCone decisions those Non-STP cases too — autonomously, against your own manuals, risk rules, and compliance frameworks. Zero-touch, even where it used to break.

Not faster.
A different speed entirely.

~8 min
Underwriting turnaround time
75–80%
Cases cleared with zero underwriter touch
25%
Underwriting cost of issuance
24×7
Decisions made — incl. weekends & holidays

*Numbers from a top life carrier in live production for over a year.

04 How it works Intake → auto-decision

From intake to auto-decision — the journey.

The case arrives in its native form. It leaves as a provable decision, cited line by line.

L
LEO
UNDERWRITING AGENT
Auto-deciding
APPROVED — Standard rates · UW-48217 · Term Life · $750,000
Cited UW Manual §4.2, §7.1 · 7m 42s · fully replayable
01
Intake
Any role, any process. The case arrives in its native form — no re-keying, no rip-and-replace.
02
Read & ground
LiteCone reads the file and grounds every fact against your manual and your data.
03
Decide
It decisions against your manuals, risk rules, and compliance frameworks — the way your best underwriter would, every time.
04
Audit trail
Every decision is cited, explainable, and logged. A trail your regulator can read and replay.
05 Governance Compliant by design

The audit trail is built into the decision — not retrofitted.

Every output passes the Five Brains. Defensible to an auditor, a regulator, and your board — line by line.

01
Auditable
The audit trail is the artifact, not a report. Glass box, decision lineage you can replay.
02
Creditable
Every decision cited to your underwriting manual. Defensible to an auditor, line by line.
03
Zero bias
Bias testing in the pipeline. The same input yields the same answer, every time.
04
Hard grounded
Grounded to your manual and data. No fabrication, no drift.
05
Configurable oversight
The dial is yours to set. Scale autonomy on the timeline your audit history supports.
Secure & Compliant
ISO 27001 SOC 2 Type 2 HIPAA CCPA
06 Built by LUMIQ AI-native · FSI-exclusive

LiteCone is built by LUMIQ.

An AI-native services company that works exclusively with financial-services enterprises — banks, insurers, lenders, and capital-markets firms.

Lumiq is trusted by
  • Canara HSBC
  • ICICI Prudential
  • Bharti AXA
  • Aviva
  • Ascend Money
  • Bank of the Philippine Islands
  • Axis Bank
  • HDFC Bank
  • Kotak Bank
  • IndusInd Nippon
  • SBI Mutual Fund
If your manual is defined

LiteCone can auto-decide it.

Book a 45-minute briefing. We'll show you exactly what Near-Zero Human Touch looks like in your environment.